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Travel Insurance Question

General Corfu Holiday Questions, Corfu

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Dennis View Drop Down
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Direct Link To This Post Topic: Travel Insurance Question
    Posted: 22 Feb 2013 at 11:43am
Hi, I am sure some of you will have met the same problem as I have, in that I am waiting to have a scan for a sciatic problem. However when I rang for a Travel insurance quote I was told they cannot quote until the result of the scan is known. Knowing how fast the NHS moves these days it will be many weeks before I know that and I am concerned because I cannot risk booking flights or accommodation for our usual May holiday.

I see that online I can get quotes from some companies even though I tick yes to the 'Awaiting tests' question. In practice does the insurance company just refund the payment when it sees that answer and refuse to cover me until I can apply again after having the results?

Any experiences welcome please.
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SusieH View Drop Down
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Direct Link To This Post Posted: 22 Feb 2013 at 12:02pm
Ooooh Dennis!

I have a long standing back problem and have never told my insurance, never considered it  relevant!! Maybe I should have

It is not I was trying to hide anything, just that it is something I live with

I occasionally nip off to physio to relieve it a bit but usually with my excercises manage to shift it and if I get it on holiday than I find lots of swimming solves it

I have always considered it was old age creeping up, not something which would ever stop me going on holiday or something for which I would require treatment while I was away

Not really got any advice for you, just worrying I am doing something wrong now




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Dennis View Drop Down
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Direct Link To This Post Posted: 22 Feb 2013 at 1:52pm
Susie. Like you I have had disc problems causing sciatica for many years but knew what the problem was and just put up with it without consulting my GP. Last summer I had a more severe attack due to carrying heavy suitcases in Corfu so this time had to have it checked out and an X-ray confirmed one disc space had become much narrower. I still did nothing until the New Year when I saw a specialist as it still really bad. He said he needed to see an MRI scan before suggesting any treatment.
I knew I must now declare it for my travel insurance or I could be in real trouble financially in case of any health problem on holiday as the companies send for your health records. It is so easy to trip and especially on the rough paths we use in Corfu!
I just hadn't thought about the NHS delays and possible booking problems. I know we can always go later but May suits us and our friends where we stay fine.

As a matter of interest when I added sciatica as an existing condition the quotes almost doubled!!!
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Direct Link To This Post Posted: 22 Feb 2013 at 2:11pm
Wendy had the same problem a few years ago, haveing a conversation with our insurers confirming nothing had changed, at the end of the call she just happened to jokingly comment on her sciatica (which was not a problem at the time) big mistake.
Jesus wants me as a sunbeam. And a jolly good sunbeam am I.
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Direct Link To This Post Posted: 22 Feb 2013 at 2:28pm
Try contacting Staysure. We've had joint annual travel insurance with them for the last four years. We both have pre-existing medical conditions which have been covered for a very reasonable cost. Staysure specialise in over 50's and pre-existing conditions.
ALWAYS declare anything you've had to see the doctor about. The insurance companies can and do refuse to pay out claims if something has not been declared, even if it has NOTHING to do with the reason for your claim!
We have found the staff at Staysure to be very professional and knowledgeable, and I'm sure they will be able to, at least, advise you. Good luck.     Moyra
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Direct Link To This Post Posted: 22 Feb 2013 at 3:19pm
This year my travel insurance is going to be horrendous as I am classed as having throat cancer until I get the all clear, hopefully after 5 years.
Staysure has been the cheapest quote but we may have to give up visiting Kassiopi simply because of insurance costs.
It is always wise to declare any medical conditions, however slight they may seem.
 
Mo
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Direct Link To This Post Posted: 22 Feb 2013 at 3:30pm
Try Insure and Go. I have had no problems with them even with a back problem
.
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Direct Link To This Post Posted: 22 Feb 2013 at 6:43pm
Originally posted by Dennis Dennis wrote:

Susie. Like you I have had disc problems causing sciatica for many years but knew what the problem was and just put up with it without consulting my GP. Last summer I had a more severe attack due to carrying heavy suitcases in Corfu so this time had to have it checked out and an X-ray confirmed one disc space had become much narrower. I still did nothing until the New Year when I saw a specialist as it still really bad. He said he needed to see an MRI scan before suggesting any treatment.
I knew I must now declare it for my travel insurance or I could be in real trouble financially in case of any health problem on holiday as the companies send for your health records. It is so easy to trip and especially on the rough paths we use in Corfu!
I just hadn't thought about the NHS delays and possible booking problems. I know we can always go later but May suits us and our friends where we stay fine.

As a matter of interest when I added sciatica as an existing condition the quotes almost doubled!!!


Now I am worried LOL

I have just come back from physio and they say they think I have spinal stenosis which will probably require surgery!! Had another Xray and will find out next week if i am to be referred for a scan

Think I will wait til I know what is happening before I book any holidays or renew my insurance this year!!
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Direct Link To This Post Posted: 23 Feb 2013 at 1:47am
Is'nt it a pain getting old Smile
Never mind, its better than the alternative.
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Direct Link To This Post Posted: 23 Feb 2013 at 6:50pm
My 65year old husband was waiting for treatment for (non Cancer) prostate problems and was turned down by several insurance companys but Liverpool Victoria (LV=) were prepared to insure him for a 2 week holiday.  We are still insured with them and find they cover over 70's with pre- existing conditions.
Good luck!  Hope you manage to get insured.
 
Carole W.
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Dennis View Drop Down
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Direct Link To This Post Posted: 03 Mar 2013 at 11:57pm
Thanks for the suggestions and will look further into Staysure. Although they do give an online quote AFTER I stated I was awaiting investigations, it was much higher than I was hoping. The online process was a bit complicated when giving details of pre-conditions and the questions have to be read very carefully to see EXACTLY what they are asking. The killer question was something like "Has it affected your daily life ?"  (I had to unfortunately answer  'Yes'. What health condition causing you to go to the doctor hasn't? )
As my scan is due in 3 weeks I shall probably now wait for the results before booking the holiday. At least that might mean I can get more quotes.

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Direct Link To This Post Posted: 04 Mar 2013 at 12:43am
Hi Dennis. When we first took out the insurance it was very reasonable. I then had a heart attack 12 days before travelling to Corfu! The insurance shot up, but for the last three years,it has dropped each year - (it seems the further I get away from the heart attack the better the insurance becomes). Also I never do the renewal on line, I always phone and speak to someone. I find it so much better if they can explain things to you, where there's any doubt. Good luck, for your tests and your insurance!   Moyra 
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Don1 View Drop Down
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Direct Link To This Post Posted: 10 Mar 2013 at 11:03pm
Phoned Aviva (through Co-op Bank) to advise that I am suffering from Atrial Fibrallation (heart with erratic beat). They asked loads of questions, I was on aspirin and beta blockers) no change to policy. By Friday I was on Warfarin so I phoned again. No change in policy.
I cannot believe I have the same cover at no extra charge but have a lot more peace of mind after declaring what to me were major health changes.

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Dennis View Drop Down
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Direct Link To This Post Posted: 11 Mar 2013 at 11:43am
Don1. You're lucky. I have also been with Aviva for several years but this year my annual quote was 30% higher (before any existing conditions). When I telephoned to query this I was told it was due to a re-assessment of existing customers as previously I had received a loyalty discount! I said that therefore I was being penalised for being a long-standing customer and he replied 'yes'. Naturally I told him what to do with the quote!!
A few years ago Aviva tried to increase my premium by £20 for 'loss of taste'. When I said 'forget it I will go elsewhere' the lady said OK we will keep it the same then!!!  
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Direct Link To This Post Posted: 12 Mar 2013 at 2:19am
I've just got joint annual cover for my wife and myself, I had a heart attack in 2011 followed by a triple bypass, and my wife has high blood pressure. All covered by cover for you.com for £101.00, was pretty chuffed.
its nice to be important but its more important to be nice
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Direct Link To This Post Posted: 12 Mar 2013 at 9:26am
That was a good price Rocdoc,  I had a look but they only insure up to 65 years of age... they must think we are too much of a risk after that Cry
 
 
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Direct Link To This Post Posted: 12 Mar 2013 at 11:25am
We have a couple of friends who have spent a holiday on Corfu for years, sadly due to their age and past illnesses, although they are not refused a quote, like some people, the quotes they are given are in 4 figures or there abouts, so sadly, no more Corfu for them.
Conversly, another couple of our close friends, who both spent their whole working lives in insurance, never take out travel insurance unless traveling outside Europe.
Bob
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Direct Link To This Post Posted: 12 Mar 2013 at 11:12pm
So do the just rely on the EHIC?
its nice to be important but its more important to be nice
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Direct Link To This Post Posted: 12 Mar 2013 at 11:26pm
I can't believe that anyone who has worked in insurance travels without it. Don't do it!! All Clear are good for older peeps and medical conditions

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Direct Link To This Post Posted: 13 Mar 2013 at 12:43am
Neither can we, but there you go, takes all sorts.
Bob
Jesus wants me as a sunbeam. And a jolly good sunbeam am I.
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