Has anyone found a travel insurance company that will cover multiple, chronic conditions?
As seems to be the case with most of us on this forum, I don't "just" have the one chronic condition, ie cutaneous lupus. I actually have a couple of others (IBS and a form of muscular dystrophy), so I am seen annually by two or three consultants for follow-up. Plus, I am awaiting investigations of my bowel because of very slow transit times and worsening constipation, possibly due to anterior and posterior vaginal wall prolapses, so that is a condition that has "not yet been diagnosed", according to Insure & Go's questionnaire.
I've been trying to get annual, multi trip travel insurance, which is the policy we have taken out for several years with Insure and Go. Up until this year, my husband and I were able to declare our medical conditions and pay an extra premium to be covered. That was fine but this year, they are asking whether either of us has been seen or is waiting to be seen by a doctor/consultant or attended outpatients within the last 1 (or 2) years. I answered yes to that and I&G declined to cover me for any and all of my medical conditions and they won't give me cover for one and not the others. It feels bizarre. Anyone with a chronic condition will be followed up in clinic annually. I addition, I have a condition that has not yet been diagnosed, ie the bowel problem.
I have tried several other companies but once they hear about my conditions, the regular follow up and the "undiagnosed condition" I am refused cover. Has anyone else experienced this this year? The questions seem much more detailed and there is absolutely no wriggle room.
I know that if I don't declare in full, no company would pay out for any event that occurred.
If anyone knows of a specialist company which might cover me, even if the extra premium is expensive, I'd be grateful to hear of it. Thank you.