Travel ins quotes

[Lainie2875]

Travel ins ? Does anyone have any ideas on travel ins that’s not ridiculous

Is AF and Heart failure the same condition

What’s isceamic Heart disease excuse spelling

Just been quoted 600 for single 10 day trip to Spain

[BobD Volunteer]

AF is a rhythm problem and not the same as heart fallure. This just means that your heart is not keeping up with the demands placed on it.

Ischaemic heart disease means that the heart muscle is degraded probably due to lack of blood supply due to blocked arteries.

Use the search box top right and there are lots of travel insurance topics with plenty of advice.

[Lainie2875 in reply to BobD]

I don’t have blocked arteries etc but once you enter AF it defaults and adds ischaemic heart disease ?

[BobD Volunteer in reply to Lainie2875]

Rubbish!!! No connection.

[Lainie2875 in reply to BobD]

As soon as you declare you have AF it goes in automatically and you can’t remove it and it happens on every site I have tried !!!

[kkatz in reply to Lainie2875]

Are you declaring Atrial fibrillation ? From memory it could go on and ask you various questions about other heart conditions.

[Jalia]

Bob has answered your query re CHF & AF. I've been told that insurance for Spain is getting to be pretty pricey due to the hospital fees.

I can quite believe the £600 you were quoted. I can beat that with 2k for a 10 night cruise taking in Spain!

[bluemoon in reply to Jalia]

That's ridiculous! I have travel insurance with my bank account. Declared medical history and AF as pre existing conditions , and cost is extra £116.00 for the year. That's for Worldwide and includes cruise cover and covid.

[Jalia in reply to bluemoon]

I agree that it's ridiculous! Other factors at play though. I'm very surprised at the low cost of your cover though, particularly as it covers cruising and worldwide.....I can only assume that you are a youngster in the peak of health 😉

[Lainie2875 in reply to Jalia]

I have managed to get a single trip for 93.00 for Mallorca We want to do a Greek island cruise later in the year but that’s going to cost a lot more but decided to wait and see how I get on as taking out annual at this stage will be well over 500 not including cruise cover.

What a lot of people forget is they may have cover that they have declared existing condition on but have not updated with the insurers if something has changed and that could prove costly

[bluemoon in reply to Jalia]

Ha!! I wish ! In my seventies, had 2 ablations and managed on meds now.

[Jalia in reply to bluemoon]

Still very surprised at the quote then ! I would double check if you planned to go to the US for example or cruising to Spain !

[bluemoon in reply to Jalia]

Yes, just recently returned from a transatlantic cruise to Miami, and also a Canaries cruise. All insurance docs checked on embarkation. And insurance renewed 10 days ago.

[Jalia in reply to bluemoon]

Must be the bargain of the century for travel insurance. I wonder if anyone else can match this?!

[Roto in reply to bluemoon]

Oh WoW.. sounds like a bargain.. what bank do you use... might be worth opening an account to get travel insurance…..ps I don’t need your pin number😉

[bluemoon in reply to Roto]

My pin number wouldn't get you much! Lloyds Platinum A/c , but Nat West do it as well.

[Roto in reply to bluemoon]

Better take you off the Xmas card list...but thank you...

[jeanjeannie50]

Allclear and Staysure are popular ones mentioned. Also have a look at: medicaltravelcompared.co.uk

[Lainie2875 in reply to jeanjeannie50]

Thank you I think I have found what I need via Medical Travel Compared website StaySure and All Clear were some of the most expensive. However I have learnt that the old E111 type card that was discontinued was replaced by a GHIC that woks the same way. This card covers you for Emergency or A&E treatment in EU at the same rate as the nationals of that country. So if in Spain the nationals have free health care ( pensioners do I believe) then with the card you get the same.

Of course you still need insurance as this is for emergency but it’s a good back up.

I have applied and been accepted via Gov website today .

[FicusElastica in reply to Lainie2875]

It turns out if your EHIC was still current it remains valid till it expires. I didn't know that so now I have both I dont' know where that leaves me. Be really careful about Spain, there are a lot of private ambulances which will take you straight to a private hospital and there you are stuck, you need to tell them you want the public health hospital, but the public health hospitals don't like taking tourists ... Spain is a known problem area for health insurers, or used to be. Check out the small print on any policy.

[jeanjeannie50]

I'm glad you found come cover. Did you have to pay for your GHIC card and where did you apply for it?

[saulger in reply to jeanjeannie50]

Hello Jean. This is the link:services.nhsbsa.nhs.uk/cra/...

Regards, saul

[jeanjeannie50 in reply to saulger]

Thank you.

[FicusElastica in reply to jeanjeannie50]

Never pay for GHICs! It's a GOV service. There are lots of sites saying they will do it for money - it's a cheek.

[Lainie2875]

No it’s free I went onto Gov website as there are some that try charge you just Google GHIC and look for Gov site it took 2 mins you just need NI number xx

[-Tony-]

I have travel pack with bank and have af included along with high blood pressure diabetes type 2 thyroid and TIA with no increases apart from usual annual.

[Lainie2875 in reply to -Tony-]

Sounds good what Bank I would open an acc if I got such good cover at a reasonable price

[Roto]

GHIC.. is no good in Norway..I have two grandkids there..Im a regular visitor.. I do have yearly travel insurance

[Lainie2875 in reply to Roto]

Yes there are about 4 countries excluded I think but most EU are included

[Roto]

Switzerland.. Norway do not accept EHIC…

[4chickens]

My packaged account with nationwide cost me an extra £171:40 per year worldwide excluding cruising.

[Hidden]

I havn't travelled abroad since 2018 because of the Covid crisis. I'm curious to know how much I should expect to pay for, say, two weeks holiday in Europe given AF.

[Lainie2875 in reply to Hidden]

It can vary so much depending on your current situation.If it’s settled and you have not had any new treatments in last 12 months it will be cheaper I should imagine it would be around £50 to 80 if this is your only existing condition

You can look on comparison websites to get ideas without committing to buy

[TracyAdmin Partner]

Hi Lainie2875, you may wish to contact some of the Insurance companies listed on our AF Association webpage? heartrhythmalliance.org/afa...

[hausjac]

Going to Switzerland for 8 days. Declared PAF and quote was £49.90. Also booke14 cruise later next month to Canaries and that was £152 both policies with StaySure and I'm 76

[Lainie2875]

I also have recently diagnosed Heart Failure I am pleased your condition is under control and has not led on to other conditions long May it continue lol

Enjoy your hols

[Cha275rL]

We just booked to go to Spain in September, and Staysure declined my request for insurance, so had to look elsewhere. I felt like a fragile, useless old bird! Useless maybe, but fragile I am not.

[Lainie2875 in reply to Cha275rL]

Don’t give up I had same issue with some quotes try this site (Medical Travel Compared) they were the best I could find good luck

[KMRobbo]

Try " Cover for you" that doesn't add heart failure or ischaemia heart disease to AFIB.I used it twice last year for approx £35 each weeks trip. But I am ablated and have no more treatment planned. I did use it when I had AFib and "controlled by medication" and it was not dramatically more expensive, but that's 5 to 6 years ago now.

[Lainie2875 in reply to KMRobbo]

Just tried and it added ischemic heart disease 🤦‍♀️🤦‍♀️🤦‍♀️

[KMRobbo in reply to Lainie2875]

It did not do so previously

[Cha275rL]

Thanks for that Lainie 👍

[rubyr61]

i have just been quoted £1114 for two weeks in cyprus for myself and husband

[Lainie2875 in reply to rubyr61]

That’s crazy I am sure you will find one for significantly less. Unless your partner has health issues don’t include him. My partner got separate ins for 20.00 for himself .

[rubyr61 in reply to Lainie2875]

both my husband and i have heart problems both type 2 diabetic husband insulin and artery problems in the legs nice to see you are out of hospital now

[FicusElastica in reply to Lainie2875]

Another caution here - if you have separate health insurance, and you have to cancel because the other one falls ill in the UK - you may find you are not covered for cancellation! I think this is a grey area but I know someone who was caught like this. If the partner is deemed to be "likely" to fall it, you won't be covered unless you have declared them ... right back round to start again! We were "fiddled" like that by a well known insurance company who insisted my partner had a more expensive policy (from them, of course) when he had to go for another test. They didn't tell us about the catch. Fortunately nothing went wrong. Also they declined to give him a full refund on the original policy after his results came through because "you should have asked for it at the time" (even though the outcome was no problem) and they were so reluctant to put this in writing that someone phoned me to "explain" it and refused to email!

[Lainie2875 in reply to FicusElastica]

There’s always some potential issue isn’t there as if having health problems are not enough 🤦‍♀️🤦‍♀️🤦‍♀️

[Morzine]

If you are going to mainland Europe use your EHIC, if it’s still valid date wise it still covers you, then whrn it runs out date wise get a GHIC. That will cover you fir all emergencies. It’s essential really to get that. Obviously cruises and long haul are another case.As for other insurances I think it’s been covered below...

Sue

[Lainie2875 in reply to Morzine]

It’s surprising how many people don’t know about the GHIC I am usually up on all this sort of thing but I didn’t realise they had introduced a new type of card My partners retired Police and he’s put the into on their group he’s been inundated with replies lol

[Morzine in reply to Lainie2875]

You can still use the old EHic till it runs out thrn change. Yes lots of people don’t seem to know about it, perhaps the government don’t advertise it enough....then they get less to pay for eh!I was in Spain, heart went wrong....used EHic and paid nothing, got excellent care.....amazing!

Sue

[Lainie2875 in reply to Morzine]

Good to hear. I used to live in Spain and the health care was as good as here we were covered for nhs care in Spain free of charge at the time.

[Morzine in reply to Lainie2875]

I’m in France health service is brilliant

[rubyr61 in reply to Lainie2875]

the problem is we want to go to northern cyprus that is the turkish republic of northern cyprus and it is not reconised by the english goverment so EHic is not reconised back to square one

[FicusElastica]

I've been looking for European insurance for cancer. The advice is to look at a lot of sites / companies and to be sure you describe your conditions exactly as they are on your GP medical records / consultant letters, if you don't know what your condition is and get it wrong that can invalidate the insurance, heart conditions I have heard are particularly awkward in this respect as there are so many of them. Prices and what companies will cover vary enormously. Check out who owns the company. Some companies who give "good" prices have been caught abandoning people who are hospitalised abroad. I dn't think this is common but it seems to be something that can happen.

[BlueINR]

Afib and heart failure are two different things, and afib can cause heart failure. It's not something to be ignored. And as someone else posted, ischemic heart disease means the heart has damage to a lack of blood supply. I don't think I'd be traveling with either of these conditions, but that's just me, and don't understand why, as far as I can tell, this has not been treated.

[Lainie2875 in reply to BlueINR]

Sorry you need to go back a long way to catch up with the posts to get the full pic But in short it’s only been since Nov my AF has been continuous and has caused HF

They have tried 3 ablations over as many years 3 cardioversions and medication but I am very sensitive to meds

I used to revert back and have good 6 months between episodes but it’s now continuous so trying different meds again but being told not to go to A&E has given the HF chance to get hold

I am having another Cardioversion on 1.3.22 !!!