I've been with SAGA for years with annual cover, worldwide excluding the Americas.
But I wanted to convert this to worldwide, including the Americas. So I phoned to get a rough idea of cost ealier in the year, it wasn't huge, so I booked a holiday to Canada. Now I've come to actually renew the annual premium goes from approx £400 to £950. So I haven't renewed although I will double-check as I found the person I dealt with to be quite hard to understand.
Anyhow, I phoned Staysure for an alternative worldwide quote. This is for two of us, married couple, I'm 67 with AF and nothing else of note, and my wife with nothing worth mentioning, and she's 60.
Staysure quoted about £550 annual worldwide cover for the two of us, with all the usual terms, max 45 days any one trip, max 180 days a year away, small excess per claim etc. I also tried another recommended insurer and they came in at about £650.
But I haven't renewed with Staysure because the operator told me how travel insurance works. She was very emphatic, and said that if there was anything in my medical records that was not declared, then the whole policy would become invalid. So, taking that literally, if I have a problem with my AF or anything else serious when away, and they find I have not declared my Tennis Elbow (something which I had forgotten and which I didn't even know was in my medical records till I looked), then I wouldn't be covered for anything.
Does anyone know, is this correct?
I'm concerned that I may forget something minor and in effect not be covered.