Holiday insurance

[LaceyLady]

Absolutely fed up. We have a holiday booked to Grenada and can’t get insurance from AXA or STAYSURE 🤯 I’ve had a successful ablation end of February been signed off by consultants, very well controlled T2 diabetes 1 pill and diet and can’t get insurance for a couple of ruddy weeks 🤯

[Mollydex]

I feel your pain. I got insurance with Allclear in the end , it was expensive and did not include cancellation, I think it also excluded Spain.

[LaceyLady in reply to Mollydex]

Husbands got Allclear but expensive as it include cancellation. He’s waiting for Saga to come back but they want a declaration I’m for to fly from Abdominal consultant, I’m having to have MRI to check hernia op and possible 2nd one 🤯

[Mollydex in reply to LaceyLady]

It is difficult.I hope you get sorted.

[Lezzers in reply to LaceyLady]

Just for clarification, are you having the MRI to check you're fit to fly after having had a hernia op? If so, how long ago did you have the op? And what do you mean by 'possible 2nd one'? Do you mean you may need a 2nd op?

[LaceyLady in reply to Lezzers]

I’ve had 2 hernias on right side 30 years apart. I might have on on the left side. I get lower back and hip problems but I keep getting sharp jabs in either groin 🤯

Last op was 12/21 and the surgeon might have put mesh in against my wishes. Mesh has a history of causing problems.

So went to private consultant as I need answers to the problems and he’s sending me for MRI to see what wrong.

Insurers don’t like anything, as far as my knowledge is this is not a problem 🤷🏼‍♀️ but they’ll use anything. My husbands well placed to argue as he worked for the regulator but he said they can get away with this 🤯

[Larneybuds in reply to LaceyLady]

If you are having any investigations done or waiting for treatment or diagnosis you sometimes can't get insured. It's all a bit of a lottery. Try Avanti. Good luck x

[Paperlover]

Try a broker like Paying Too Much. I’ve had heart surgery and ablation and got a worldwide annual policy for a very reasonable price

[LaceyLady in reply to Paperlover]

Possibly could, husbands well versed in that Miranda’s he worked as a regulator.

[BlueDouble007]

Try the British Insurance Brokers Association. They have a list of insurance brokers who may be able to assist.

[DVAND in reply to BlueDouble007]

Great service, they helped me find a suitable insurance broker.

[devonian186]

I use justtravelcover.com. You will get a number of quotes by inputting your details online. Generally, if you then leave it a day or two they will offer up to a 10% discount.

[Bear910]

I used medical travel compared dot co dot uk as recommended by Martin Lewis and then went with Ageas after my usual annual policy refused to insure me.

[PJ05]

I used Insure and go - I have AF which is asymptomatic, a back problem, T2 Diabetes and a fatty liver. It was not cheap!. On a side note arrived in Grenada yesterday it is lovely!

[Pumacat]

try paying too much.com, Find these are the cheapest always, for my hubby, who has heart failure, diabetes, and cancer!

[kkatz]

I am surprised you cannot get cover.Are you still awaiting a procedure or diagnosis?

I had annual insurance with Stay sure for years.AF, previous angina & stents, seizures, arthritis, hiatus hernia.Only refused when awaiting procedures.

I am with Avanti.

[Adhtz21]

Hi, I use AllClear. Says 20% off Black Friday deal

[Frootbat]

I used Allclear. No more expensive than other companies I found.

[elliebath]

If anyone has a condition that is still under investigation / not yet fully diagnosed , most insurers will refuse cover, or some might still cover but with exclusions and at a higher premium. I am a retired travel agent and whilst it is often tempting to book a holiday first and try to get insurance after, it is not recommended. Even if we already have an annual policy, we must still ask that company to agree to continue to cover us if any new medical condition or procedure crops up during that 12 months.

[Thaifan]

I have used Saga travel insurance since having a pacemaker fitted 2 years ago. Bit more expensive but I have had no issues with them.

[Lowerfield_no_more]

Try an online site covering travel insurance with pre existing conditions, fill in the questionnaire, and see if there are any providers that are willing to take you on., and then take it from there. Or talk to a local insurance broker.

[Anothernewbie]

Try Avanti. I have A.Fib as well as a couple of other conditions and they have insured me for two river cruises next year, and I am 85!

[MWIC]

Try travelinsurance4medical.co.uk/

I had a successful ablation Dec 23 and got insured no problem with the above so as long as you’re not waiting for results or further tests on anything I don’t see why you wouldn’t get accepted for insurance - mine was around £80 something - 2 weeks Cyprus

[jab177]

I have insurance through my Barclays bank account travel pack add on. I registered all my health issues and it didn't change the premium.

[Alicant]

it’s difficult if your waiting or having further investigation..the algorithms don’t know what this is. I have insurance Worldwide including Caribbean ..actually going to Grenada January..the Caribbean always is most expensive!

Mines through NatWest Bank account..not straightforward..

[Tonypredarmy]

Having looked around myself last year, All Clear seem to be the best, however none of them are cheap.

allcleartravel.co.uk

[Choccie55]

Have you tried insurancewith.com ?

[LaceyLady]

You have to watch that they do not exclude vital parts of the insurance to make it cheaper!!