travel insurance

[Lurganspur]

hi everyone I haven’t been on here in a while & im feeling fine it’s 5 years since my HA & heart failure diagnosis I’ve had a defibrillator implanted for 4 years & have learned to listen to my body & things going good at min 🤞 i wanted some advice on travel insurance for a med cruise from you all & recommendations would be very much appreciated thanks in advance & stay healthy everyone

[Lowerfield_no_more]

Suggest you read this. ..

healthunlocked.com/bhf/post...

[Doublef]

Our bank gives free insurance and I pay a premium on top which helps keep the cost down thanks to. Nationwide

[Lurganspur in reply to Doublef]

Thank you for your reply I will check out my bank to see if they do something similar cheers

[Sb1171]

One thing I would add in addition to the usual "we are all different so shop around" advice is that you check out packaged bank accounts (for example Nationwide FlexPlus, £156 a year includes worldwide family travel insurance, breakdown cover and mobile phone insurance). You can pay an additional personalised premium to include your medical conditions in this policy. This gives you a couple of options - 1) using this as your "base" insurance and accept the medical exclusions. You can then source a policy to cover your medical conditions, but may be able to get this cheaper if you don't need all the other whistles and bells that the "base" policy still provides (eg legal, theft, loss, sick relative etc). 2) Pay the additional premium and have all your cover in one place.

Personally I found that the extra premium to upgrade the base cover was considerably more expensive than just buying seperate single policy cover for short haul trips to Europe, but it was about half the price of a single trip policy to a long haul destination.

It probably also depends a bit on your family circumstances. If you have two cars and four iPhones in your household (with two wielded by kids), £156 a year for phone and breakdown cover is pretty good even if you didn't need travel insurance at all. That it also covers four family members completely for worldwide travel as they don't have medical exclusions makes it a bit of a no brainer.

If you are seeking cover just for yourself, as a couple where both have medical conditions, or if anyone is over 70 (which also costs extra), it may not be so worthwhile.

[Lurganspur in reply to Sb1171]

thank you for your reply it’s appreciated though not in & do not have a nationwide in our town but will definitely take your advice & shop around thanks

[Qualipop]

If you use the search bar you will find hundreds of posts

[Lurganspur in reply to Qualipop]

Will do thank you

[Whitehousee in reply to Qualipop]

Be very careful with travel insurance five years ago I HD a heart attack on a cruise ship they transfered me to a hospital in Athens. As soon as wearied they were asking for money even before I was seen they spoke very little English they wanted 5000 pound every day for the treatment I spent four days in intensive care with nothing to eat or drink the insurance informed my husband they would only pay for that treatment.and I would have to.go to a nhs hospital they payed for angiogram which they said my arteries were OK.although I had had a. Heart attack to frightened to go to nhs hospital because there was bad enough so paid 5000 out of my own money to stay there after 8 days they flew me home after a week at home had another heart attack they found my lad atery was 75 percent blocked an I had a spent.fiited excellent care why hadn't they found this I Athens.. Good luck

[Lurganspur in reply to Whitehousee]

Thank you & that sounds scary