Travel Insurance??

[Mark41]

Hi, any suggestions for travel insurance companies??? I can get quotes but they exclude my af and left ventricular dysfunction - going to Vegas next week....

[jennydog]

By chance my niece put up a post on Facebook yesterday for a company that she thought might interest me. It specialises in covering people with medical conditions. I had never heard of them but it seems to be legit.

Www.insurancewith.com. Tel : [phone].

I have used Civil Service Pensioners Association in the past.

Let us know how you get on.

Good luck

[Beehive1 in reply to jennydog]

Funnily enough, I came across this yesterday on a cruise website. Boots use the same assessment tool to gauge the risk on an individual basis. I have flagged it to get a quote. I currently have a policy from Benenden and it was much lower than others I checked.

[BobD Volunteer]

Type "insurance or travel insurance" into the search box top right and there will be plenty of advice.

[Hidden]

I found Allclear insurance the best for me. Most essential for travel to the US! Make sure you declare everything.

[Mandy232426 in reply to Hidden]

I also got mine from all clear. Did it on line 42 pounds for two weeks travel to turkey. Very straight forward to complete.

Have a lovely holiday.

[Hidden]

You can find a list of insurance providers who have been known to offer policies to people with pre-existing medical conditions on our website at heartrhythmalliance.org/afa...

Regards, Rachel - Patient Services - AF Association

[Hidden]

I've just done the rounds some of the insurers because our annual worldwide policy has come for renewal. I'm 67 with nothing much except AF, wife 60. I tried SAGA, Staysure, Trailfinders and Allclear. Quote ranged from £400 to £1150 pa!

We're probably going to go for AllClear or Trailfinders but haven't decided yet. Allclear's email quote was very clear and easy to understand.

Note that our basic Allclear quote did not have any cancellation cover in it. We will pay extra for option that if we go with them.

[Mark41]

Thanks for all your suggestions!! Think I'm going with CoverCloud @ £271 for just me, one week, USA.

We're going to Kos in Greece end of August, thinking I might go with better cover but exclude the pre-existing conditions as we're still in the EU? Had a really good quote from Aviva for a year, worldwide, loads of extras, winter sports, cruises, scuba, including my partner and two kids.... but excluding the medical conditions. Does this make sense or could I be making a big mistake? Has anyone on here had any bad experiences in Europe where they weren't insured??

Thanks again to all that replied

[Buffafly in reply to Mark41]

I have recently heard of a very good experience of someone travelling in Europe with EHIC only, but he was able to limp home on broken leg, don't know what happens if you need medical assistance on home travel?

[Angie06 in reply to Buffafly]

I wouldn't risk it as my mum had a fall whilst in the Canaries and broke her hip. This resulted in a hospital stay of 3wks, hip replacement op and air ambulance back from the Canaries which would have cost thousands as the air ambulance alone cost £15000. Fortunately she was fully insured and they actually stumped up!

[Hidden]

Maybe I'm too cautious but I wouldn't consider travel without medical insurance unless I was very wealthy.

You would not be covered for repatriation if you relied solely on your EHIC card. Think on !

[Mark41 in reply to Hidden]

Hmmmmm..... yes I agree, just been researching it and took some advice. Problem I'm finding is that decent insurers that I feel I could trust will only offer with exclusions. The others, I've never heard of and seem to have loads of really bad reviews.... Looks like I'll just have to accept insurance is going to be expensive for a while...

Thanks for your help!!

[Bryonny]

I have used 'Good to Go' insurance company over the past few years and found their prices very reasonable and they cover my AF and associated health issues. A week in a Europe £44 and just over two weeks in Costa Rica £147. I am sure the States would be higher though.

[GrahamHunter]

I use AllClear as it was originally recommended to me by my cardiologist. It is essential that you declare all conditions, however trivial they may seem, and keep them updated on any changes.

[Hatty_36 in reply to GrahamHunter]

We use AllClear too and although they are not cheap it gave us peace of mind while we were out there. The first company we tried was almost twice the price!

[123Abc123]

I'm with Saga. Expensive but good cover.

[Hidden]

I use money supermarket.com declare all and take the cheapest. I mainly travel in Europe mind.

[Carol133]

I know you have had lots of replies, but just wanted to let you know who i use. I travel to the USA quite frequently so have an annual policy with Flexicover which costs me just over £600 p.a. I know it may seem expensive but if anyone has a health issue in the States it can cost an absolute fortune.

[Maggimunro]

I use a Nationwide Flexi plus account which provides many benefits, including travel,insurance for both my husband and I for world wide cover, including my Af, for a total,of £220 per annum.

[RaySyl]

We have just booked Single Trip insurance to Mauritius next year with All Clear for a reasonable sum. It is very easy to navigate, although it is impossible to generalise about outcomes after you have put in your pre existing conditions etc. The algorithm has a mind of its own, I guess. We have found from past experience that once you tick "USA/Canada/Caribbean" the premium trebles. A few years ago we were charged £1250 to insure a two week trip to Tobago. This was the cheapest we could find. A number of companies wouldn't insure us at all including, interestingly enough, Saga!

[Hidden]

Correction: I have looked through the Trailfinders quote and they EXCLUDE any claims for costs relating to pre-existing medical conditions. Which makes you wonder whether their insurance is worth having at all !!!!

[Patient007]

Try Staysure. Ive used them before when going to the USA. Enjoy Vegas. I did twice!

[lucillear]

Mines with puffin insurance I found it through a comparison website just Google puffininsurance. com it waseems quite reasonable . Ps viva last Vegas x

[Ianc2]

I am 72. I have had heart valve repairs and an ablation, still have afib on a regularly irregular basis. I use 'good to go' because they cover existing conditions. I have been away on a cruise from uk to new zealand and saw 2 passengers being helicoptered away off the coast of oman, in one case without their partner as they had 2 separate policies to save money. I declared my conditions and was covered, as I was a few weeks ago when I went walking in the alps - although I had to pay a bit extra to go over 2,000 metres but not over 3.000m.

They won't give me annual cover but will give me cover on a trip by trip basis. It's a bit of a pain having to go through the declaration process each time, but at the end of the day you might save a few hundred quid and then get clobbered for tens of thousands. A helicopter lift off in the alps will get you a bill of about £1.500 just to get you to the ambulance. Mind you I don't go to America. Bear in mind an insurance is a matter of utmost good faith - If you tell 'em fibs they will tell you to go away when you need them most. You will also need to carefully check what they cover - anything out of the ordinary you may well find yourself on your own.