HOT TOPIC - 19/02/18

This weeks HOT TOPIC is holiday insurance. Have you found it difficult to obtain holiday insurance with AF? It is always recommended that you should declare any pre-existing medical condition, however some insurance companies do not cover certain conditions. Did you know that we have a list of insurance companies who are known to have been sympathetic to those with pre-existing medical conditions. You can contact us for a list or share your experiences here! As always, we are here for any questions you may have!

[10gingercats]

No problems getting insurance ...min. searching.I have 'simple'Perm Afib. and I am an older person. No other health probs. I last travelled in late 2015.

[Hidden]

Not for European travel, use money supermarket . Com declare conditions and take cheapest option. Just for me one week Italy under a tenner

[Hidden]

I would recommend going to website such as Go compare. I have just taken out cover with Saga about £200 cheaper than company I used last year. ( which was cheapest at the time ). Saga are very helpful company to deal with as well.

I have quite a long list of pre-existing conditions which I have to declare even though I am hardly troubled by them

[Hidden in reply to Hidden]

Was yours world wide cover?

[Hidden in reply to Hidden]

No. That gets rather expensive . Well over 1k. I have just paid £260 for 7 nights cruise to Norway Hamburg Bruges...incl husband but he didn't have much to declare . I was quite pleased with the quote.

[Hidden in reply to Hidden]

Cruises dearer I hear. As I say less than ten pound for Italy for week for me

[wilsond]

I would like a list please Rachel if possible, thank you

[Hidden in reply to wilsond]

Hello, if you would like to email me, [e-mail] I can send you a list.

Best wishes

Rachel - AF Association Patient Services

[wilsond in reply to Hidden]

Thank you,I will.

[Jay10]

Hi RachelAdmin,

I have just renewed with my bank with no problems apart from the question regarding ablation.

When asked if I had an ablation (qualified by having a hot wire inserted) I said I had a cryoablation so she put NO. I wasnt happy with this so asked her to change this to yes as I didnt want any problems later if I claimed.

Did I do the right thing.

Thanks

Jackie

[Hidden in reply to Jay10]

Hello Jay.

I think by declaring that you had an ablation no matter what sort, you did absolutely the right thing. It is always better to be safe than sorry, and some insurance companies are not aware of the most up to date procedures.

Kind regards

Rachel - AF Association Patient Services

[Jay10 in reply to Hidden]

Thanks Rachel, I didn't feel easy/happy about her "no" answer. As both my husband and daughter worked in the insurance industry I know hot hat they look for any get out in a claim.

Thanks for your confirmation.

Jackie

[Maggimunro]

If you open a Nationwide FlexiPLUS account, you pay about £13 a month and get amkngst many other things, world wide travel insurance for yourself and your partner.

I declared my Afib and so have to pay an annual premium of £100.

So in total I pay just over £200 and get absolutely full world wide cover for both of us, including mountain rescue for my climber husband. Within 6 months of opening my account, my husband was relieved of his passport whilst in Paris, en route to the Alps. Long story short, they paid up with absolutely no bother.

Can’t be bad.

[wilsond in reply to Maggimunro]

Great tip thank you!

[Ianc2]

I think it also depends on your age, once you get past 70 a lot of companies decline to cover, others tend to say single trip only. Some will offer annual multi trip with additional fees for hazardous sports, e.g. walking over 2000m extra £50, over 3000m another £50 -total £100. I was happily strolling along the gemmi pass two years ago and I realised on the way back I had walked out of my insurance cover!

Watch out for the cable cars - the aguile du midi will whisk you up to 10,000 odd feet in the blink of an eye lid and the 'grand balcon' walk on Mont Blanc treks happily along the 6000 foot contour having started and finished at a cable car (with café) - much easier than walking up Pen-Y-fan

You have to be careful with car hire as a lot of companies will not hire to over 70's - watch out for the tick box.