Here is a warning for people taking o... - Lung Conditions C...
Here is a warning for people taking out travel Insurance
Oh what a dreadful situation to be in
It's enough to put you off travelling!😕 x
Thank you for the link, this is another case of insurers being callous. It is very sad in this case, and probably needs investigating if only to try stopping future travellers from paying for insurance that does not cover because they were ill years ago and did not declare it for travel insurance now. We the sick often pay more and also often have to pay to prove we are fit to travel plus declare every illness we ever had as if we were taking out life insurance. Many of us are so well looked after by the NHS that we never become ill to claim on our insurances 
while on holiday.
So true Katie - it's a rip off. I would say that if you have a stable condition the chances of falling ill on holiday and needing hospitalisation are almost 0 so the premiums should reflect this. I wonder what data they use?
I might be completley wrong lol!
James
I wonder how they do score in respect of illness? the underwriters seem to be a law unto themselves i.e one company will accept COPD patients while another says no way. I know it is dearer if you have been in hospital recently, or changed pills and if you have had a chest infection in the last six months. But some companies wont even renew policies even though no claim has been made. Then there is the fact of insurers saying you failed to declare something to avoid payment. Some people who are fit as a fiddle fall ill while on holiday or have accidents. As I understand it you do not have to declare anything medical it is up to you, but then there is the clause if you have not declared all your insurance may be invalid. So which fact is corret legally I wonder???
insurance companies are keen to take your money , but when they have to pay out they will find some way of not paying
I agree. these insurance companies seem to be a law to themselves. Though to be fair the travel company involved was only a broker, the actual insurer was a German company. The industry needs a regulator with some teeth so people can get a fair deal
Yes, very worrying. I have just bought a 10 day policy for my son and his dad which cost about £250, and also topped up my own annual one with my bank account for about £80 extra on top of the monthly payments for the account. It's impossible to know what to declare as over the years I've had loads of odd things here and there, after all I'm over 60, there's a lot to remember and in the 'old days' my GPs didn't actually give a name to a condition most of the time! If they try and trick us by dredging up old stuff from 40 years ago that we never thought to declare as it's long gone - then what's the point of taking out expensive insurance? This may be even more of an issue is we fail to negotiate reciprocal health cover after our exit from Europe 
Rip off mechants
