Travel Insurance

[Bookworm55]

Hi

What do others on this site do about travel insurance? My partner and I both have health issues and are on medication and I always declare all this very carefully on the form as I know the companies will not pay out if they can find anything not declared. Recently I have had to contact them twice about my annual cover - once because I was told hydroxychloroquine had damaged my eyes and then again because I’d been told it hadn’t! However because I was now on only one medication (mtx) rather than 2 (mtx and hydrox) this had to be altered and they charged me a £10 admin fee!

We do declare everything for fear of not being covered but things like forthcoming hospital appointments for very minor issues just seem to bump the premium up!

What do others do? And has anyone been ‘caught out?’

[Ruth12345]

I asked NRAS and they could not recommend any specific one but did give me a list that other people had used. It was a very good starting point. Both myself and oh are in the position of having serious health issues and had been turned down so as I say it was a good starting point. Happy travelling.

[Bookworm55 in reply to Ruth12345]

Many thanks - good idea.

[hatshepsut]

Insurandgo cover practically everything, and when I had different and additional medication there was no charge

[AgedCrone]

I just replied to you BW & it's appeared as a reply to Minty...don't know if you can see it.....don't know how to redirect it!

I am seriously fed up with this sending site replies to the wrong person!!!

AC

[Bookworm55 in reply to AgedCrone]

Thanks but not sure where it is!

[AgedCrone]

I can't find it now!

Basically I said find a specialist insurer and although it might be expensive first as you keep reinsurimg and don't make any claims...it evens out.Also make sure you speak to somebody when you are taking out the insurance it's just too easy to say no when you should said say yes by doing it online and if you ever need it you haven't got a leg to stand on if you filled it in wrong.

Hope this reaches you!

[Bookworm55 in reply to AgedCrone]

Yes -thanks! Useful advice too.

[sylvi]

I no longer travel abroad sadly. I have enough trouble travelling in this country to even attempt to travel abroad darling.xxxx

[Bookworm55 in reply to sylvi]

Oh Sylvi - sending you hugs. My annual travel insurance also covers me for trips in this country btw though I have never claimed. I realise that atm I am lucky to be able to still travel abroad especially as I have family in Spain and Peru but am also aware that I don't know how long I will be able to..........

[HappykindaGal]

I use a broker because then i know everything is covered. It may cost slightly more, but will pay dividends should I need to use it.

[Bookworm55]

Good idea - thank you.

[marie66]

I use getgoing.com online or by phone! Just used them for a week in Spain covering hubby Epilepsy, COPD and my RA and High Blood pressure - cost in total was £20.65 M x

[oldtimer]

I look at the 'Which' consumer website which looks at lots of different providers and not just how much they cost but also what service they provide if you do need to claim.

I used to have an annual policy, but now the companies think I'm a bit old as well as decrepit - and I don't travel much either, so it's not worth it. But it was a nuisance having to notify them of changes and being charged an admin fee each time.

[Bookworm55 in reply to oldtimer]

Yes that's what was really annoying me so I think I might go for single trip policies from now on, as I always used to. Thank you.

[Lyneal]

Hi have just got holiday insurance from “are you paying to much” am on MTX injections & my husband on all sorts of tablets.