AF and Travel Insurance Policies with AllClear

[Loquitir]

Whilst on holiday in Gran Canaria, I required an emergency DC cardioversion for my AF.

My policy with AllClear has an agreed pre-existing condition for paroxysmal AF. The company use a Canadian company working for Zurich Assist. If you have a policy with this insurer do yourself a favour and make sure you can access emergency cardiac care before you go on holiday without having to prepay the hospital with a large unplanned prepayment in order to receive emergency care.

The assistance company failed to provide emergency medical care at all as per the policy and I was forced to pay the hospital directly before a DC cardioversion could be performed. I waited 18 hours and the company did absolutely nothing to help. They caused delays. They stalled a decision to proceed with care on spurious grounds.

I can’t determined whether this is normal practice for AF patients needing emergency cardiac care but I would not recommend being left in a hospital being assisted by the company. Under any circumstances.

Could anyone recommend an insurer and have used the policy to get care abroad with an agreed pre-existing condition for AF?

Thanks

[Jalia]

Thank you posting and making us aware of this situation and company . I'm sorry you've had to go through all this. I've never had to use medical assistance abroad but always like to be what I consider to be well insured with everything declared.

[Hidden]

Not a pleasant situation for anyone to be in but it’s a salutary reminder that it’s how an insurance company reacts to a claim and not the size of the quote that determines a “good’ insurance company. I cannot help because although I have used a few insurance companies, fortunately none of them have been put to the test….YET!

I assume you will continue to seek recovery, perhaps the insurance ombudsman can help if they don’t cooperate……..