Author Topic: Travel Insurance  (Read 101 times)

0 Members and 1 Guest are viewing this topic.

Offline Pattidevans

  • Administrator
  • Posts: 24,787
  • It's ONLY Diabetes. It could be something worse!
Travel Insurance
« on: 21 January 2019, 04:06:17 PM »
For years we've had travel insurance through out bank account.  A year round insurance for anywhere in the world and we paid a small extra fee for my diabetes.  However just recently they changed it and sent us the new "rules" and it appears they no longer cover anyone over 70.  So that's me stuffed.

We are thinking of booking a holiday to Australia to visit Julian's younger brother who has been very ill but hopefully on the mend now... and so we've been looking around for travel insurance.  We've no intention of visiting USA or northern America, so we don't mind that those countries are excluded.  However we've applied to two companies who purport to cater for people with medical conditions.  The cheapest quote has been £667.  Argh... On Saturday we had a phone conversation with World First and I got asked a long string of questions.. it started with me having T1 which led onto a myriad other queries such as "Have you been diagnosed with high BP."  Yes, so they wanted to know how many meds for that... Just 1.  I was honest and I wish I hadn't been cos now they've got me with high chol, CVD, stroke & a myriad other conditions that I don't really have.  I had a little "episode" 6 years ago which may or may not have been a TIA, it was never really discovered what it was but it led to me being prescribed Clopidogrel.  So that labels me as having had a stroke and a heart condition.  Asked what my actual chol level is I said 5.5 and got asked if it had ever been higher?  Well, yes, but not recently and I have not been prescribed statins.  However of course according to their algorithms/flow charts I now have CVD.  It's so bloody ridiculous and based on stupid beliefs that we know aren't necessarily right... for example we know that the lower your chol is the more risk for ladies of my age.. but of course they just adhere to "chol = heart disease".  I have come away feeling like a wreck!
I suppose I just wanted a rant, but honestly if anyone has any bright ideas about travel insurance I'd love to hear em... it's expensive enough going to Aus without an extra great lump of insurance expense!
Patti


Type 1.  Mis-diagnosed T2 May 2003, finally had CPeptide test 15/7/11 and proper diagnosis 1/9/11.  Now pumping Apidra with Roche Spirit Combo pump. Hba1c 6.1 Sept 2017.  45 (6.3) April 2018.


© 2015 Patti Evans

Offline sedge

  • Global Moderator
  • Posts: 14,370
Re: Travel Insurance
« Reply #1 on: 21 January 2019, 04:42:46 PM »
Bite their hand off at £667 Patti.  We simply don't have travel cover as they want £1200 for a fortnight in France, and let's face it a) EHIC and b) well if it wasn't an emergency - we wouldn't consult a Dr at all!  I know about repatriation costs and would never recommend no cover but when it gets so ridiculous that's that.

No - I wouldn't go to Oz either, without it.
Jenny

T1 DX 1972, pumping Novorapid 24/05/11

HbA1c - 7/07 8.7, 1/08 7.8, 9/08 8.4, 3/09 7.3, 7/09 7.2, 12/09 7.3, 11/10 8.1, 2/11 8.6, 9/11 6.5 2/12 6.4  5/12 50/6.7  11/12 52/6.9  01/13 46/6.4  06/16 46/6.4  12/16 45/6.4

Offline Dr DeEath

  • Member
  • Posts: 526
Re: Travel Insurance
« Reply #2 on: 21 January 2019, 05:01:51 PM »
In a heart related website two companies that come up regularly are AllClear and StaySure so they might be worth a call.

I know what you mean about assumptions related to meds. When I was diagnosed with PAD I was out on statins despite my cholesterol being below 5. The statins apparently mean I have a high cholesterol problem!

Goodness knows what my quotes would be - high mileage Type I with a bypass. In reality I was probably a bigger risk two years ago. My next overseas holiday might be the Isle of Wight!
T1 for over 50 years.  MDI on Porcine insulin.  Lisinopril and Atorvastatin.

Offline Pattidevans

  • Administrator
  • Posts: 24,787
  • It's ONLY Diabetes. It could be something worse!
Re: Travel Insurance
« Reply #3 on: Yesterday at 09:12:53 AM »
Sedge


remind me, wasn’t that because of Pete’s issues?  They are not charging extra for Julian’s cancer.. it’s all my minor issues and the fact that I am over 70 that are costing extra.  The thing is that I don’t want to go, the thought of the flights gives me the shudders, but it will probably be the last time Julian sees his brother.


Dr D, thanks, we have tried AllClear, some slightly less quotes, but none of those covered cancellations.  Given the cost of the air fares we’d rather like to cover cancellation.  We’ll try StaySure.
Patti


Type 1.  Mis-diagnosed T2 May 2003, finally had CPeptide test 15/7/11 and proper diagnosis 1/9/11.  Now pumping Apidra with Roche Spirit Combo pump. Hba1c 6.1 Sept 2017.  45 (6.3) April 2018.


© 2015 Patti Evans

Offline Paulines7

  • Member
  • Posts: 972
Re: Travel Insurance
« Reply #4 on: Yesterday at 11:24:11 AM »
Have you tried:

Money supermarket.com,  Compare the market,   Confused.com  or  Go Compare.com ?

If you Google "compare the market travel insurance", they all come up. 

We have relied on the E111 scheme when we go abroad to France, but I can't see that continuing after Brexit.  When we went to the USA to see my brother we were a lot younger and I had not been diagnosed with diabetes and John didn't have cancer.  We got that at a reasonable price through our bank insurance.  If we went now, and we may have to go because my brother is out there, I would try those sites listed above.  Input of one lot of information per site can produce several quotes from each one.

I imagine that Australia would be even more expensive than the USA.  If you hold back anything about your health and something happens, they will scour your medical records and if it's not declared on your insurance, it could make the whole insurance invalid.   It's not worth the risk.

Good luck.




Diabetes Type2 diagnosed March 2014.  Treated by diet only.  HbA1c 60 on diagnosis, 52 in June 2014, 50 October 2014, 44 December 2014, 48 May 2015, 50 Sep 2015, 53 Jan 2016, 50 Oct 2016, 56 Feb 2017, 50 Jun 2017. 50 Aug 2017. 47 Feb 2018. 50 Jul 2018. Pacemaker fitted 2008 - replaced 2017.

When I get old I don't want people thinking
                      "What a sweet little old lady"........
                             I want 'em saying
                    "Oh Crap! Whats she up to now ?"

Offline sedge

  • Global Moderator
  • Posts: 14,370
Re: Travel Insurance
« Reply #5 on: Yesterday at 11:41:09 AM »
No - my issues Patti.

Have I ever been advised to use statins?  Well yes of course I have.  Am I taking them?  Well no of course I'm not - if you have a violently adverse reaction to them, you don't, do you?  Hence I am about to drop dead.  I have PAD hence am about to drop dead.  I take BP tablets, hence I am about to drop dead.  Oh and of course with diabetes I was abut to drop dead at any point in any case.  Pete, having had prostate cancer they wouldn't quote for at all as it was too recent and everyone knows you instantly drop dead from that anyway.  They might have actually quoted for him at this puncture by now, but with COPD now added to his list - I expect to wake up with a corpse any minute now!

Just wondering - has anyone on here EVER had to seek medical assistance on holiday, for anything?  Only time I have was once, in Oz, when I was off work having a mental breakdown and on MDI, had left two new Kwikpens in the loo at Heathrow and had to see a GP to get replacements supplied.  So yeah it was an emergency - but not that much of one IYSWIM - not a disaster or traumatic and I didn't need ANY medical treatment whatsoever.  Just decided buggrit, I'll claim he money back as I never have ever before for anything since 1967!
Jenny

T1 DX 1972, pumping Novorapid 24/05/11

HbA1c - 7/07 8.7, 1/08 7.8, 9/08 8.4, 3/09 7.3, 7/09 7.2, 12/09 7.3, 11/10 8.1, 2/11 8.6, 9/11 6.5 2/12 6.4  5/12 50/6.7  11/12 52/6.9  01/13 46/6.4  06/16 46/6.4  12/16 45/6.4

Offline Pattidevans

  • Administrator
  • Posts: 24,787
  • It's ONLY Diabetes. It could be something worse!
Re: Travel Insurance
« Reply #6 on: Yesterday at 03:30:42 PM »
Have you tried:

Money supermarket.com,  Compare the market,   Confused.com  or  Go Compare.com ?

If you Google "compare the market travel insurance", they all come up. 
We're aware of all those Pauline and frequently use them when looking for motor/household insurances, but I was looking for specialist insurers for travel insurance that will cover people with medical conditions.  A lot of ordinary travel insurance companies often won't touch people with T1 and we were in 2 minds about Julian's issues, though it appears he doesn't have issues since the cancerous organ has been removed and all tests have indicated complete remission since.
Quote
We have relied on the E111 scheme when we go abroad to France, but I can't see that continuing after Brexit.  When we went to the USA to see my brother we were a lot younger and I had not been diagnosed with diabetes and John didn't have cancer.  We got that at a reasonable price through our bank insurance.  If we went now, and we may have to go because my brother is out there, I would try those sites listed above.  Input of one lot of information per site can produce several quotes from each one.
It may be worth a punt... but since John's more serious issues you may find that ordinary travel insurance companies won't touch you.  My friend had a terrible time to get cover for them as her hubby's prostate cancer was ongoing.  We've relied on the E111 and our bank insurance too... but cannot see the E111 working now, not at least unless they reach some agreement that we continue covering their EU passport holders on the NHS as they have up to now.

Quote
I imagine that Australia would be even more expensive than the USA.  If you hold back anything about your health and something happens, they will scour your medical records and if it's not declared on your insurance, it could make the whole insurance invalid.   It's not worth the risk.

Good luck.
No... the USA is the most expensive place in the world.  I was fully aware that I needed to be honest... I was really just having a whinge that taking a tablet as a prophylactic suddenly made you have the worst form of heart condition.... instead of it being merely prophylactic.  Rather like the guidelines say that all diabetics need to have statins... does that mean they immediately develop last stage CVD?   No, of course not!
Patti


Type 1.  Mis-diagnosed T2 May 2003, finally had CPeptide test 15/7/11 and proper diagnosis 1/9/11.  Now pumping Apidra with Roche Spirit Combo pump. Hba1c 6.1 Sept 2017.  45 (6.3) April 2018.


© 2015 Patti Evans

Offline Pattidevans

  • Administrator
  • Posts: 24,787
  • It's ONLY Diabetes. It could be something worse!
Re: Travel Insurance
« Reply #7 on: Yesterday at 03:43:46 PM »
No - my issues Patti.

Have I ever been advised to use statins?  Well yes of course I have.  Am I taking them?  Well no of course I'm not - if you have a violently adverse reaction to them, you don't, do you?  Hence I am about to drop dead.  I have PAD hence am about to drop dead.  I take BP tablets, hence I am about to drop dead.  Oh and of course with diabetes I was abut to drop dead at any point in any case.  Pete, having had prostate cancer they wouldn't quote for at all as it was too recent and everyone knows you instantly drop dead from that anyway.  They might have actually quoted for him at this puncture by now, but with COPD now added to his list - I expect to wake up with a corpse any minute now!
Exactly Sedge!  Just what I was getting at!

Quote
Just wondering - has anyone on here EVER had to seek medical assistance on holiday, for anything?  Only time I have was once, in Oz, when I was off work having a mental breakdown and on MDI, had left two new Kwikpens in the loo at Heathrow and had to see a GP to get replacements supplied.  So yeah it was an emergency - but not that much of one IYSWIM - not a disaster or traumatic and I didn't need ANY medical treatment whatsoever.  Just decided buggrit, I'll claim he money back as I never have ever before for anything since 1967!
I recall that!  Yes, the Dr with Lederhosen?

I claimed on my own health insurance in Corfu last year when I had to see a physio for the trapped nerve, but didn't claim on the travel insurance.  Only claimed once as far as I can recall on Travel Ins.  Circa 1994 in Kenya, when I had to get my ears syringed as they wouldn't clear after the flight... the syringing was done with dirty water and I then got an ear infection, but he gave me some free sample ABs for that and only charged for the syringing!

In the event Travel Insurance is now not needed... or at least not for Aus.  J was gaily arranging it, plus looking for flights to book, until I asked him if he had run the timings past his brother to see if it was convenient.  He rang last night and it turns out it's not as Jon and his wife intend to spend 6 months travelling around Aus as soon as he gets his 100 days past transplant clearance.  They've always wanted to do it and they feel they must seize the chance... so it's all been put off until next year... lots could happen before that. 

It changes the insurance issue for us as we shall not be holidaying for periods in excess of 31 days, plus only to Europe now.  Thinking vaguely about Croatia, Portugal (Oporto and Lisbon, then down to Tavira where our friends have a house) or maybe Italy.
Patti


Type 1.  Mis-diagnosed T2 May 2003, finally had CPeptide test 15/7/11 and proper diagnosis 1/9/11.  Now pumping Apidra with Roche Spirit Combo pump. Hba1c 6.1 Sept 2017.  45 (6.3) April 2018.


© 2015 Patti Evans

Offline Paulines7

  • Member
  • Posts: 972
Re: Travel Insurance
« Reply #8 on: Yesterday at 07:42:07 PM »
Have you tried:

Money supermarket.com,  Compare the market,   Confused.com  or  Go Compare.com ?

If you Google "compare the market travel insurance", they all come up. 
We're aware of all those Pauline and frequently use them when looking for motor/household insurances, but I was looking for specialist insurers for travel insurance that will cover people with medical conditions.  A lot of ordinary travel insurance companies often won't touch people with T1 and we were in 2 minds about Julian's issues, though it appears he doesn't have issues since the cancerous organ has been removed and all tests have indicated complete remission since.

Those compare sites do cover people with medical conditions.  As I said in my pm to you Patti, no insurance company would cover John but they offered me one weeks insurance for the USA for £125.  I declared Diabetes type 2, high blood pressure, heart pacemaker and kidney failure and answered all their questions about them.  The latter was because my creatinine levels were too high.  They have not been high for 3 years now but I am still tested every 6 months.  Unfortunately by doing it on line it is not possible to say that my diabetes is under control and that my blood pressure has been good for about ten years as the medication brings it down to an excellent level.  I have a weak muscle in my heart and have had irregular heartbeats but my pacemakers over the past 11 years have dealt with that. 
Diabetes Type2 diagnosed March 2014.  Treated by diet only.  HbA1c 60 on diagnosis, 52 in June 2014, 50 October 2014, 44 December 2014, 48 May 2015, 50 Sep 2015, 53 Jan 2016, 50 Oct 2016, 56 Feb 2017, 50 Jun 2017. 50 Aug 2017. 47 Feb 2018. 50 Jul 2018. Pacemaker fitted 2008 - replaced 2017.

When I get old I don't want people thinking
                      "What a sweet little old lady"........
                             I want 'em saying
                    "Oh Crap! Whats she up to now ?"