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Subject Topic: Holiday Insurance Post Reply Post New Topic
26/1/2007 at 8:57pm
 Location: Lincoln
 Outfit: Coachman Amara
View Audiman's Profile View Profile   Reply to Audiman Reply   Quote Audiman Quote  
Joined: 04/1/2007

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Hi All

Not really caravan related but I still think that there are some of us that also go in aeroplanes from time to time!!!

Anyway, now I am getting old I have a couple of worn discs in my back which don't cause me any problems other than occasional bouts of backache which are managed by pain killers.

Being an honest sort I tend to come clean with the holiday insurance companies working on the theory that if it can go wrong it will go wrong!!!

But this year they seem to be really charging a huge amount of extra money for this back complaint. 

I was wondering if anybody has found a good / cheap insurance company that don't seem to load to excessively for medical conditions?

I am beginning to wonder if the time has come to just take a chance and not bother including the back problem and going anyway......

All advice appreciated

Cheers



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26/1/2007 at 9:28pm
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View Magpieman's Profile View Profile   Reply to Magpieman Reply   Quote Magpieman Quote  
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We get FREE travel insurance because we have an Alliance and Leicester Premier Current Account.

Might be worth the hassle of changing your current account to get it.

Regards
Graham


26/1/2007 at 9:36pm
 Location: Wirral
 Outfit: Nothing but we are caravan hunting
View magicaly's Profile View Profile   Reply to magicaly Reply   Quote magicaly Quote  
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We also get free annual worldwide insurance with Cooperative bank but you could try www.insureandgo.com I have used them in the past and their cover is very good. I suffer back problems and need the occasional painkillers but it wouldnt occur to me to tell an insurance company. I wouldnt class my back problem as a major medical issue that I would need to tell an insurance company about. Its only an occasional thing.

Carol



26/1/2007 at 9:45pm
 Location: Mid-Wales UK
 Outfit: VW + Bailey Pageant Burgundy 08
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Try going through this comparison site - it's always been cheapest for us...

http://www.moneysupermarket.com/travelinsurance/

Claire



-------------
Claire x

Jan 2013 - Skiing, Kühtai, Austria
May - Swiss Farm
      Fforest Ffields
Aug - Saumur, France
Oct - Somewhere...
Jan '14 - Skiing, Les Houches


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27/1/2007 at 12:09am
 Location: super somerset
 Outfit: empty drive for now
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IF you have declared some sort of ongoing problem that may have caused you to have to make a claim in the past, and now decide to `hide` it, well..... IF you then have major problem whilst your`e away you may have a bigger problem trying to get some sort of recompense from the insurance, they would ask for medical records to see if there are any previous problems, if there are, then you could be in the soup for not declaring the back situation on the form , wouldnt take the risk personally, you never know whats round the corner,

-------------
That's not a dog....... That's a Schnauzer


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27/1/2007 at 1:25pm
 Location: Northern Ireland
 Outfit: Sterling Cruach Cuillin 520
View allengenealogy's Profile View Profile   Reply to allengenealogy Reply   Quote allengenealogy Quote  
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Try www.travelcover.co.uk who  do a quote online where you can put your medical problem into the site and get a quote without having to ring up etc.   They also cover up to 70 year olds.



-------------
Marz


27/1/2007 at 6:02pm
 Location: None Entered
 Outfit: n+1 tents
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I couldn't recommend insure and go - I had a lot of bother telling them about an illness I suffer from. I'd notified them when I took an annual policy out and had to tell them again when I'd had an attack of the illness and it didn't seem like they'd taken it into account when I took out the policy in the first place. In the end they charged me a £45 surcharge for my 2 week holiday, which seemed a bit steep to me.

Liz


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27/1/2007 at 6:16pm
 Location: None Entered
 Outfit: n+1 tents
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Actually, I've just taken a look at www.travelcover.co.uk and they'll cover me at normal terms despite the fact I have seen a specialist within the last year. The website's great, you just type in your illness and you get a series of questions about that particular illness and how it affects you.

So thanks for the tip, Marz


Liz


27/1/2007 at 7:26pm
 Location: west essex
 Outfit: kia Sorento & Hymer Nova 530db
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Carol

What Coop bank account gives the free insurance, I have a "Smile" account which has no mention of insurance 



27/1/2007 at 7:27pm
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Always get it in writing if the company have agreed to cover a particular illness and keep it with the policy docs, no room for ambiguity then.

Ali



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27/1/2007 at 8:21pm
 Location: Wirral
 Outfit: Nothing but we are caravan hunting
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Quote: Originally posted by hymerman2 on 27/1/2007

Carol

What Coop bank account gives the free insurance, I have a "Smile" account which has no mention of insurance 


Mine is a Privilege account. There is a small monthly fee but it has loads of benefits that are actually useful so I pretty much get the fee back in savings. We go abroad four times a year so the insurance saves us loads as it covers my partner as well.

Carol

 



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27/1/2007 at 8:40pm
 Location: Northern Ireland
 Outfit: Sterling Cruach Cuillin 520
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I have received my travel docs. from www.travelcover.co.uk  and it confirms that it includes cover for my medical declarations by name e.g. hypertension.  Mind you I have never had to claim from them so I do not know if they are any good.  Maybe someone can tell me as I want to book another trip soon and I have to do it as a single trip as I am over 65.

-------------
Marz


29/1/2007 at 12:41pm
 Location: Isle of Sheppey
 Outfit: Senator Wyoming
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As you're over 65 it might be worth trying SAGA.  They'll also cover you on an annual policy even if you have medical problems.

 



-------------
Den


30/1/2007 at 8:13pm
 Location: Lincoln
 Outfit: Coachman Amara
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Hi All

Many thnaks for the replies, I eventually (after alot of shopping around) went with Halifax.

Annual European cover for familiy £82 with full cover for my back.

Trouble is I had an MRI scan a few years ago, so there is a diagnosis and medical history.  Dare not risk it.

Re: the question of whether I am 65+........no, I think I just have the back of a 65 yera old :-(




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