Travel insurance

[LizCrid]

Hi All, looking for some advice on European travel insurance. I have just tried to renew annual policy with Axa but they have withdrawn cover because of new declaration af arrhythmia during this last year. Has anyone else had this problem and did they find a company willing to take on this condition? I live in Bristol so only looking for local European travel. Many thanks in advance for any guidance. Best wishes, Liz Crid

[Hidden]

You should certainly be able to get cover with an extra premium.

I would advise typing in your details on a site such as Money Supermarket . Otherwise Staysure or Allclear? Oddly enough my last insurer for cruise was Saga who had previously been way too expensive. They are lovely to deal with on the phone as. well !

You may find it more difficult to get Annual cover.

Sandrs

[LizCrid in reply to Hidden]

Thank you, Yatsura. Very useful to know that annual cover more difficult. That is what I was requesting so may be my first mistake! I have approached Staysure so will see what they can offer, and Saga is somewhere I had not thought of. Many thanks for taking the time for such a quick reply.. kind regards, Liz.

[johnMiosh]

I found the specialist insurers really expensive, so I tried money supermarket. Having ticked the box for AF, it asked whether I was being treated and had I attended A&E by ambulance. Answering Yes (Ablation) to the first and No to the second got me a policy that was no more expensive than it would have been without the condition. However, if you are regularly transported to hospital by ambulance, it would be difficult to get a reasonable price.

[LizCrid in reply to johnMiosh]

Thanks johnMiosh. That’s promising. Given this condition , we are assured, is not life threatening, it was a shock to find our annual insurance had more than doubled! I will try money supermarket and see what they come up with.

[johnMiosh]

I only needed a single trip policy this year. I ended up with medisafe, never heard of them but saved a few pounds and the medical cover matched the higher priced ones. I ignored the serious low price ones with lower maximum cover. Cant say how good they are; they weren't needed.

[LizCrid in reply to johnMiosh]

As is often the case! Hate the way insurance plays on fears which may never become reality! Thanks for Medisafe tip. I will give them a look. Best regards, Liz

[LizCrid]

Just established MediSafe will not insure us oldies over 54! But useful info for you youngsters!

[seasider18]

Just wait until you hit 70

[LizCrid in reply to seasider18]

Not long now! 😟

[seasider18 in reply to LizCrid]

When we ticked over from 69 to 70 our usual insurer wanted to double our annual world wide premium. Their explanation was, You are a year older. My only problem at that time was hypertension

[LizCrid in reply to seasider18]

There are such mixed messages about age, health conditions, etc, and all of it manipulated in favour of the insurers of course. I am also “on the turn” from 69 to 70 and would not feel much different apart from the discrimination that kicks in. There’s a lot still to do to change attitudes, I fear! Best regards! Liz

[seasider18 in reply to LizCrid]

The problem is that we are not individuals to them they just work from a tick list. I thought that an insurance broker might be a better option but most do not do travel insurance.

[Hidden]

This year, feeling very buoyant, I have taken out a year's European insurance with Travel Insurance 4Medical. I have opted for low cost, with excesses for this, that and the other as in the past I have paid up for better cover and not made a claim. They wanted an extra £80 for cover for Spain so I won't be going there. So far I've been away four times - the cover does the UK as well as most of Europe and it has given me peace of mind.

I have insured with them before but had to move to Saga when I was on a very long waiting list and was technically awaiting ablation though was planning to make up my mind if it was appropriate when I was at the top of the list. This nebulous situation was OK with Saga and I took out single trip insurance.

[LizCrid]

Thanks for your response, Rellim2. I am waiting to have a second chat with Staysure about getting possible discount on their original quote but thinking it will only apply to their 5 star cover (too expensive for us) - becoming very cynical in my old age. So far Saga, Sainsburys and a couple of others charging around £400/£500 for annual couple insurance for “safe” Europe. Will come back with final choice, just in case it’s of interest, when we have made the commitment. Kind regards, Liz

[Ianc2]

other companies are goodtogo or allclear. I am 73 and take rampiril for blood pressure so they won't give me an annual policy any more, but they will cover me for walking in the alps for up to 4,000 metres. For an additional fee of course. The hard part is getting a comparison of who offers what. All part of life's rich pattern...

[LizCrid in reply to Ianc2]

Oh yes, the challenges are different but no easier! Thanks for suggestions, lanc2. Keep well.

[mumkelly61]

All clear cover me for a year, world wide, and I need 45 day for a single trip to Canada , I claimed a hospital visi last trip, not AF related but cost $1000 , as long as you have copies of ALL the paperwork work, it was processed quickly, I paid £ 365 for this years policy, hope that helps