Holiday medical insurance- age and health issues

S

Suenliam

LIFE MEMBER
Joined
Oct 14, 2013
Posts
490
Likes collected
2,140
Location
Scotland
Funster No
28,574
MH
van conversion CV40
Exp
20+
Not sure if this is the correct section as I always look in the "What's New" heading but couldn't find a more appropriate one.
I am dreading looking for hol. medical ins. Liam is over 80 and has recently had a successful operation. This is on top of a serious heart related op. about 6 years ago which included a triple by-pass. He's lucky - never had any symptoms but it wrecks havoc with insurance! I seem to remember reading on here that there is a company which will cover us despite his issues but I can't seem to locate it. Does anyone have any recommendations before I start the ring round?
Thanks
Sue
 
Sort by date Sort by votes
Depending on how confident you are you could exclude any existing conditions. I have multiple health issues which I can happily manage, at age 78 I tour abroad on my motorcycle most years and by excluding my conditions I only pay standard rates. Think carefully before doing this but it's worked for me for 20 years.

Subscribers  do not see these advertisements

 
Upvote 0
Feel for you, winds me up.

No increase for European car insurance though !

www.motorhomefun.co.uk

Travel Insurance After Heart Bypass

So, I rang nationwide insurance today, FlexPlus. Answered all their questions regarding my recent operation and they said they will not cover me for my pre-existing conditions (heart bypass) Went through all the questions with them and they directed me to this website for help...
www.motorhomefun.co.uk www.motorhomefun.co.uk
 
Upvote 0
Thanks everyone who replied. From your replies I am a bit more hopeful we can get cover for pre-existing conditions ..... but at what price :rollingeyes:
Within reason, I am prepared to pay as we need the peace of mind. Unfortunately the pre-existing conditions can't be managed without "professional" help and we are not prepared to take the risk.
Tomorrow I will do the big ring round and be totally bored with having to repeat facts. The real frustration comes with the call handlers only accepting either/or answers not nuances. Luckily we only need 35 days cover.
Thanks again
Sue
 
Upvote 0
Use All Clear for OH. Most insurers will not cover him as he has PBC although even the hospital Consultant says he is quite well and not in need of a transplant but insurers just look at the condition & load the policy. Annual travel insurance last year just for OH £1255 but it was either pay or stay at home. Still some countries that AllClear will not cover him for America etc
Interesting to see that Geistguy had cover but not for existing conditions as I did ask a few insurers if they would quote but not cover for PBC but they refused cover.
 
Upvote 0
Well I waited until over 8 weeks since OH's operation and phoned our existing insurer Staysure today. Only £20 more than last year so went with that rather than wasting hours of my life on the phone to other insurers. Actually thought the price a bit of a bargin as there is unlimited medical and repatriation expenses cover. Only real limitation is the 35 day per trip limitation although it is an annual multi trip policy.
Thanks for everyone interest.
Sue

Subscribers  do not see these advertisements

 
Upvote 0
We don't travel by the tunnel - we come from Scotland and want to go west in France so travel Portsmouth/Caen. North east France not really our cup of tea. Also going by the daily minimum rate of £8 as advertised then the price of our anual multi trip Staysure policy is cheaper than Eurotunnel for the days we are on holiday for in any one year.
Having said all this my only wish is that we never have to use the policy!
Sue
 
Upvote 0
Edenside said:
Use All Clear for OH. Most insurers will not cover him as he has PBC although even the hospital Consultant says he is quite well and not in need of a transplant but insurers just look at the condition & load the policy. Annual travel insurance last year just for OH £1255 but it was either pay or stay at home. Still some countries that AllClear will not cover him for America etc
Interesting to see that Geistguy had cover but not for existing conditions as I did ask a few insurers if they would quote but not cover for PBC but they refused cover.
Click to expand...
Could you tell us what PBC is please?
 
Upvote 0
Yes that’s correct, although his consultant says they are not 100% sure it could be PBC which is not as serious but they cannot confirm until autopsy 😂😂 so have to treat for the most serious. He is quite well & no where needing a transplant but all patients are classed the same for insurance. Unfortunately some patients will be quite ill, I just wish there was a scale to go by where Stage 1 was onset, Stage 2 etc etc

Subscribers  do not see these advertisements

 
Upvote 0
Totally agree Edenside. OH has never had any symptoms so is reasonably fit and not hindered by feeling ill, breathlessness, pain etc. etc. He has had his problems fixed by surgery. It's a bit ironic that he does not have heart issues or aneurysms as they have all been fixed but med. hol. insurance is expensive. Someone with all those issues but undiagnosed and therefore an insurance risk can get ins. at the drop of a hat. Anyway glad we are good to go.
Sue
 
Upvote 0
Suenliam said:
Totally agree Edenside. OH has never had any symptoms so is reasonably fit and not hindered by feeling ill, breathlessness, pain etc. etc. He has had his problems fixed by surgery. It's a bit ironic that he does not have heart issues or aneurysms as they have all been fixed but med. hol. insurance is expensive. Someone with all those issues but undiagnosed and therefore an insurance risk can get ins. at the drop of a hat. Anyway glad we are good to go.
Sue
Click to expand...
The thing is for every person with those issues but undiagnosed there will be loads with no issues at all. The only thing they are interested in is the odds
 
Upvote 0
The Wino said:
Of course because they're businesses! It's really gambling they're gambling on you not claiming. You're paying to offset the gamble of not being insured
Click to expand...
Hit the proverbial nail; I knew a guy involved in insurance, he called it "high class gambling"

Subscribers  do not see these advertisements

 
Upvote 0
Suenliam said:
Not sure if this is the correct section as I always look in the "What's New" heading but couldn't find a more appropriate one.
I am dreading looking for hol. medical ins. Liam is over 80 and has recently had a successful operation. This is on top of a serious heart related op. about 6 years ago which included a triple by-pass. He's lucky - never had any symptoms but it wrecks havoc with insurance! I seem to remember reading on here that there is a company which will cover us despite his issues but I can't seem to locate it. Does anyone have any recommendations before I start the ring round?
Thanks
Sue
Click to expand...
Try the M.C.C. We used them this year, they covered us both for everything except any ailments in the last three months.
 
Upvote 0
Chajane - as indicated above, Staysure have given us a good deal for all existing conditions including those within the last 3 months.
Sue
 
Upvote 0
Suenliam said:
Thanks everyone who replied. From your replies I am a bit more hopeful we can get cover for pre-existing conditions ..... but at what price :rollingeyes:
Within reason, I am prepared to pay as we need the peace of mind. Unfortunately the pre-existing conditions can't be managed without "professional" help and we are not prepared to take the risk.
Tomorrow I will do the big ring round and be totally bored with having to repeat facts. The real frustration comes with the call handlers only accepting either/or answers not nuances. Luckily we only need 35 days cover.
Thanks again
Sue
Click to expand...
Avanti and Staysure are the same Company I believe. Don’t just read the 5⭐️ reviews, read the 1⭐️where people have tried to claim. Cheap is ok until you need a payout.
 
Upvote 0
Never read the 5 star reviews on anything - always read the more critical reviews and then make my mind up. My problem was not particularly the price it was whether we could get cover at all.
Sue
 
Upvote 0
Lavender1 said:
Avanti and Staysure are the same Company I believe. Don’t just read the 5⭐️ reviews, read the 1⭐️where people have tried to claim. Cheap is ok until you need a payout.
Click to expand...
But if you buy expensive they might not pay out either. Expensive doesn't guarantee its good

Subscribers  do not see these advertisements

 
Upvote 0
Suenliam said:
Never read the 5 star reviews on anything - always read the more critical reviews and then make my mind up. My problem was not particularly the price it was whether we could get cover at all.
Sue
Click to expand...
Tesco, insured my partner, 83, who had recently had a major heart attack. He had to get a letter from his GP, £18, to state he was fit to travel. The holiday was 10 days raving in Benidorm😂. He had his heart attack, the previous October. We are off on a package holiday to Croatia September. We were debating whether to just take the chance🤔. However, had a phone call today from my friend on a cruise with her cousin who is well in his 80s. They were meeting up with friends for the husband’s 90 birthday. 3 days later, dead with a heart attack.
£5000 to take his body off ship, then repatriation, probable about £8000. They tested him for Covid, which he had. Then tested my friend’s cousin who had it. My friend and him, confined to their cabin, and an injection for the cousin, as he was so ill that cost £800😡. Definitely getting insurance after listening to that😲.
 
Upvote 0
Suenliam said:
Not sure if this is the correct section as I always look in the "What's New" heading but couldn't find a more appropriate one.
I am dreading looking for hol. medical ins. Liam is over 80 and has recently had a successful operation. This is on top of a serious heart related op. about 6 years ago which included a triple by-pass. He's lucky - never had any symptoms but it wrecks havoc with insurance! I seem to remember reading on here that there is a company which will cover us despite his issues but I can't seem to locate it. Does anyone have any recommendations before I start the ring round?
Thanks
Sue
Click to expand...
You could try:-

Cheap Travel Insurance - Single / Multi-Trip Insurance - Worldwide Insure

Worldwide Insure: Trusted Low-Cost Travel Insurance for Global Single & Annual Multi Trips. Medical & Specialist Travel Policies. Est. 1993. Get Covered Now.
www.worldwideinsure.com

They easily covered my wifes problems even to the states, but, probably not as serious and she is certainly younger, but they always seemed helpfull when you ring.
 
Upvote 0
Stewart J said:
Wife is over 80 we found Staysure to be the only company that would entertain us.😳
Click to expand...
We also used Staysure for our cruise. I was covered by Nationwide but they wouldn't cover Martin. Staysure covered Martin with no extra payment but I had to pay a supplement. As we wanted a joint policy we went with Staysure.
Suenliam said:
OH has never had any symptoms so is reasonably fit and not hindered by feeling ill, breathlessness, pain etc. etc. He has had his problems fixed by surgery. It's a bit ironic that he does not have heart issues or aneurysms as they have all been fixed but med. hol. insurance is expensive. Someone with all those issues but undiagnosed and therefore an insurance risk can get ins. at the drop of a hat.
Click to expand...
Yes, the silent reapers. My Uncle died in Spain on holiday and looked very fit and well until 5 minutes before he checked out. Thank goodness he was risk adverse and had insurance.
Lavender1 said:
Tesco, insured my partner, 83, who had recently had a major heart attack. He had to get a letter from his GP, £18, to state he was fit to travel. The holiday was 10 days raving in Benidorm😂. He had his heart attack, the previous October. We are off on a package holiday to Croatia September. We were debating whether to just take the chance🤔. However, had a phone call today from my friend on a cruise with her cousin who is well in his 80s. They were meeting up with friends for the husband’s 90 birthday. 3 days later, dead with a heart attack.
£5000 to take his body off ship, then repatriation, probable about £8000. They tested him for Covid, which he had. Then tested my friend’s cousin who had it. My friend and him, confined to their cabin, and an injection for the cousin, as he was so ill that cost £800😡. Definitely getting insurance after listening to that😲.
Click to expand...
We are just back from a cruise. Talking to a lady on the ship, her husband became ill in Longyearbyen but had to stay on the ship (Longyearbyen has a hospital but it's not for ill people but for accidents and emergencies only). The fastest way back to a major hospital was for him to stay on the ship and he was taken to hospital when we docked in Sortland. His ship's medical bill was in excess of £5,000 for the ship's doctor and nurses plus medication - but the cruise company and the insurance people sorted that out between themselves. His wife stayed on board as she wanted to deal with everything from home rather than have to deal with an unfamiliar language and medical procedures. At least the UK and Norway have a health agreement in place so only a passport is needed to obtain free health care. However the gentleman is unable to fly so getting him home from Sortland is going to be interesting for them. I think the rail line goes as far as Tromso so perhaps they will take him to Tromso by ship and then use the train.

I would never travel without insurance - every cruise we have been on there has been either a serious illness or, sad to say, a death.


Of course you never know how good your insurance is unless you need to claim.
 
Upvote 0
Lavender1 said:
Avanti and Staysure are the same Company I believe. Don’t just read the 5⭐️ reviews, read the 1⭐️where people have tried to claim. Cheap is ok until you need a payout.
Click to expand...
Absolutely! Had terrible time trying to claim on behalf of family members estate where there was no ambiguity about the circumstances !
 
Upvote 0
I was insured with staysure this year, we had to make a claim as we had to cancel our trip.

My personal experience was that they were really easy to deal with in terms of making a claim and paid out very quickly.
 
Upvote 0

Join us or log in to post a reply.

To join in you must be a member of MotorhomeFun

Join MotorhomeFun

Join us, it quick and easy!

Join us

Log in

Already a member? Log in here.

Latest journal entries

Back
Top