Travel insurance through the bank - British Heart Fou...

British Heart Foundation

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Travel insurance through the bank

banana1982 profile image
23 Replies

Does anyone with heart conditions use the travel insurance through their bank? We are thinking of trying to do so, but unable to get hold of them to ask the relevant questions. I do know people with cancer that use it and other pre existing medical conditions and there is an increased annual premium. Unfortunately the only person I know with bank insurance and heart problems haven't told them about it!

We are hoping to do some travelling next year including the Caribbean and or Canada so the bank could be the cheapest way for us

23 Replies
MichaelJH profile image
MichaelJHHeart Star

Hello and welcome to the forum! Bank is to broad a term as it will vary from bank to bank. Your 'nom de plume' suggests you are in your late thirties so you may get a more favourable response than an older person. Have a look at the pinned post about insurance. Cover for the Carribbean and/or Canada will not be cheap as it falls in the same category as the US. Check any proposed cover carefully to make sure the cover is adequate.

Your friend is being foolhardy. A friend's father needed heart surgery in the US over twenty years ago and the cost was in excess of £100,000 fortunately covered by insurance.

Calliope153 profile image
Calliope153 in reply to MichaelJH

A rather elderly painter and decorator turned up to paint a room in a friend's house. On chatting to him it turned out he had come out of retirement, downsized again and sold everything he could to pay his son's £175,000 hospital and medical accompanied flight home bill from Thailand. His son had declined the £30 travel insurance..... then hired a moped...... it;s not just hearties who need to think about insurance and once you have a heart problem it will never be cheap.........

MichaelJH profile image
MichaelJHHeart Star in reply to Calliope153

About eighteen months ago a family launched a crowdfunding appeal after the granny had to be airlifted off a cruise ship and have stents inserted. One comment said "if you can afford a cruise you can afford insurance"! Locally a man came on a consumer program claiming the insurance company would not pay up on a technicality. His wife had not declared COPD and had needed hospitalising with pneumonia. The COPD made it more serious and the stay longer so the insurance company justifiably would not pay up.

elliebath profile image
elliebath

Yes . Im 66 recently diagnosed minor vascular disease and angina. This year had tests including ct angiogram and a long wait for results.

I already had annual cover with HSBC but rather than alert them too soon, I did a bit of research online for cover to USA and Europe . The quotes from the online questionaire were very high, but I think this was because I was still under medical investigation. So when I eventually received my heart results and new medication , I spoke to my bank insurers , told them everything and was thrilled to hear that they'd cover me worldwide at no extra charge!!

So do contact them, you may be pleasantly surprised.

As for your friend, not disclosing the truth can definitely backfire. As an ex-travel agent I've seen people at risk of losing their house in hospital bills.

Lezzers profile image
Lezzers

You definitely need to tell your insurer bout medical conditions. My husbands bank were happy to cover him for a previous heart attack, cardiac arrest, icd being fitted but when we told them about HF diagnosis they refused to cover this condition. What if we hadn't told them and had needed to make a claim?? I know of someone who was poorly on a flight, the plane was diverted and the airline invoiced him for 280000e, fortunately the insurers paid.

banana1982 profile image
banana1982

Thank you all, I'll try ringing the bank and speaking to them to see if my Husband could be covered, if not I expect we'd be looking £1000 for annual cover.

The person with the heart condition also has prostate cancer, I am going to be on the same cruise as him in October assuming he is able to travel. A closer friend than I is going to speak to them about getting comprehensive insurance as they can certainly afford it

MichaelJH profile image
MichaelJHHeart Star in reply to banana1982

Having money sometimes goes with a strange view to spending. I know a millionaire who had three main supermarkets close by but drives a dozen miles to Lidl! ☹️

Shar28 profile image
Shar28

Hi, we used the travel insurance that comes it’s our packaged bank account after my husband was diagnosed with Dilated Cardiomyopathy. There was an extra premium to pay, but it wasn’t too much.

Your bank’s website should have a contact us section, probably at the bottom of the page somewhere. If you can’t find a specific number for travel insurance then use the general number and they’ll guide you forwards.

If you can’t find it I don’t mind looking for you if you let me know which bank it is.

banana1982 profile image
banana1982 in reply to Shar28

Thank you , we are away for a few days now so will spend some time Thursday seeing what I can arrange. My Husband still hasn't seen the cardiologist so he doesn't have a full picture of his prognosis yet.

Ianc2 profile image
Ianc2

If you look under the TOPICS heading on the right hand side of the site you will find a heading regarding travel insurance companies.

jacksmc profile image
jacksmc

We had free travel insurance through our bank. When I notified them of my diagnosis they took all the details and promptly excluded it from the cover! They told me I was covered for anything else mind! So I have to obtain additional travel insurance now. You really need to notify them and discuss it. I was expecting a premium for covering it but that was not how my bank dealt with it. Its not worth travelling without cover for your condition! I used Saga and there was no problem but there are others out there . I used the information on the BHF website. very useful.Good luck.

Lezzers profile image
Lezzers in reply to jacksmc

Barclays did the same with my husband!

MichaelJH profile image
MichaelJHHeart Star in reply to Lezzers

Type I diabetes had the same effect decades ago!

NathanBlau profile image
NathanBlau in reply to jacksmc

I should have read your response before I replied!! My experience is exactly the same as yours - the bank simply do not want to know!

monnydite profile image
monnydite in reply to jacksmc

Hi Jacksmc. Would you be able to share which bank that was with please. Thanks

Bemmo profile image
Bemmo

I changed my insurance to Barclays Travel Pack which gives world wide cover for the two of us plus Car Rescue for about £12.50 per month.

Make an appointment to see one of their people and they will assist, including linking you with their insurance people.

I had a heart attack last June and my annual Insurance was loaded from £299 upped by an additional £375.

It is well worth a talk with Barclays.

NathanBlau profile image
NathanBlau

I have travel insurance through a premium account with the Natwest. After a heart attack 2 years ago they exclude any claim that is heart related. This continues despite clear evidence of current health etc. They seem to have a complete 'block' on this cover and as it is a "free" scheme linked to the bank account they will not simply charge more as other insurance companies might do.

I am now obliged to effectively buy another policy that covers cardiac incidents!

banana1982 profile image
banana1982

Thank you it's barclays that we are with I'll give them a call but if heart conditions are excluded then I'll look for another provider for annual cover. My Mum is with Lloyds and they exclude anything cancer related as she has had it twice.

Sleepyzz profile image
Sleepyzz

I have cover with Barclays they are fine with my AF, stenosis etc, only one year out of last 10 that they would not cover me was when I had been to A&E twice with AF. They are fine if only once. That year they gave me numbers to call for insurance and I ended up taking single trip insurance for that trip

ilikeholidays profile image
ilikeholidays

I had identical circumstances and the bank (HSBC) confirmed that they wouldn't cover my cardiac condition, I then obtained personal cover from one of the BHF suggested insurers, leaving my wife and children relying on the HSBC cover, rather by accident I then discovered that if we cancelled a trip because of my medical condition HSBC would not then pay out for my wife and children, inconsequence I had to take out further insurance for the rest of the family, again from a medical specialist insurer. The additional premium for the rest of the family was modest but I rather suspect this is a "trap" easily overlooked which would otherwise result in no cancellation cover which is probably the biggest risk!

NathanBlau profile image
NathanBlau in reply to ilikeholidays

A very good point - I have to take out cover with another insurance co whilst my wife 'uses' our bank provided insurance. I had not considered this eventuality and will rethink accordingly.

kirasm profile image
kirasm

I believe that a travel insurance is a literary vital thing on a trip as better safe than sorry. Personally I prefer buying insurance. The choice depends on many factors, and first of all, on money you are ready to pay for it. I can recommend to look through the travel insurance sites on travelsites.com/travel-insu.... You can find many great offers there. And it is convenient to compare them on one site. I hope you will find this info to be useful!

banana1982 profile image
banana1982 in reply to kirasm

Thank you, it seems we can get comprehensive worldwide annual cover for quite a reasonable amount we will however wait until we've seen the consultant to ensure we cover all conditions

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