Insurance

[cazer]

Want to find sensibly priced for holiday in Spain or similar .I have small varices.portal hyper tension and some other problems. Anyone with sImilar probs managed to get any?

[Koinonia]

We found that Saga was the cheapest and covered my liver problems but mine not so advanced.

[butterflyEi]

I believe the Bear Facts magazine had a couple of articles about insurance. If you go to the members section of the PBC Foundation it may be possible to do a search for this information. There maybe something in the July 2014 edition. I have a reference to it in my files but not the article. Hope this points you in a direction.

best wishes

[Jtxx in reply to butterflyEi]

Try Insure2Travel (in partnership with goodtogoinsurance.com). They are good with medical conditions. I have AIH & PBC and a couple of other medical conditions but don't have varies. Good luck. X

[butterflyEi]

Just managed to find it, it is in the letters section on page 20.

[Hidden]

Hi, I too have PBC and have used Columbus Direct since diagnosis and find them very very reasonable. Good luck.

[Jtxx]

I found mine through an insurance broker. They did all the leg work. Fee was only £15. it saved me money, time and energy. X

[GrittyReads in reply to Jtxx]

Hi Jtxx,

That's interesting. I've heard of JD Consultants, who seem to be Brokers specifically for Travel Insurance for those with medical conditions, but I've never tried them.

How did you find the brokers, and how much detail do you have to give them? I live in a village miles from anywhere, and I don't think I'd trust my nearest little brokers - assuming they do TI, yet I hate doing it all online, or on the phone.

I've got quite phobic about TI since my PBC diagnosis, as several old companies turned me down flat at the mere mention of PBC - although I think things may have eased now. However, I hate it that so many companies are still not precise, or up-front, about their exact definitions of 'pre-existing medical conditions'. Yet this was exactly one of the points that they were all warned about when the Ombudsman told them off a few years ago: the Ombuds service gets more complaints about TI companies than anything else.

Maybe I just worry too much, as people with far more issues than me do get cover, no problem. It's also not easy to find out which firms will let you ignore some conditions: most of mine, like a tiny, shrinking fibroid, or a long, past history of endometriosis, are not going to cause problems, but the last TI Co. I used would not let me leave out conditions.

Any advice gratefully received.

NB 'World First' were good, but (2 years ago, small print) I noticed afterwards that you were not covered if plane has to land or divert 'cos of your condition - may have changed.

[Jtxx in reply to GrittyReads]

I found it difficult to get a reasonable quote. As soon as you mention PBC they run scared! For me it's probably the one I'll die with, not of. I disclosed all my conditions as they say if you have to claim as a result of the claim being directly or indirectly resulting from your medical conditions. Better safe than sorry. It was my travel agents who recommended the broker. They were very efficient and helpful. Worth a phone call. I have previously used Tesco because the questions they asked I didn't have to answer yes to but not now. Good luck.

[Philippastcarin]

Believe it or not, I struggled so much for a trip to Jamaica I was going to cancel. Tesco's standard policy covered me for everything as long as it was monitored by my G.P.

Try it , I would like to know how you get on if that's ok.

Philip.

[cazer in reply to Philippastcarin]

Yes I would believe it Phillip

We have been trying to get away for the last 2 years for hol ...first we couldn't afford it then by the time we thoight we could go for it I wasn't allowed to fly!as I was awaiting for endo to check for varices which I know now I have.i can now fly but here go again with ins hunt

On the middle of all that there was a patch of time when we tried getting ins but gave ip for while cause it was too much hassle!!

[cazer]

Thanks folks ive got a few to check into think varices and p.hypertension make it more difficult cause pre...this I could get ins fairly easily. Cazer

[Mole]

livernorth.org.uk have a list of insurers that people have recommended. In their newsletters on their website

e.g Mia insurance who specialise in insurance for people with medical conditions.

Good luck.

[Hidden]

I have just had a holiday to Portugal for 1 week and got 1 week travel insurance for my husband and I for £47 from Get Going Travel Insurance. I have PBC, portal hypertension and Varicies. They were very good and covered us no problem.

[cazer in reply to Hidden]

Thank thats great sounds much more like it. Will give them a ring. X

[kimphoebe]

Hi I had no trouble getting holiday insurance. I t just cost a £110 more from thomson holiday. Hope that helps