Discrimination for travel insurance

For issues specific to caring for someone with mental ill health.
Hi I don't know if anyone can help me. My son who has lifelong schizophrenia and has moved into supported housing is doing much better mentally. He has had his medication changed and takes them religiously. He is feeling so much better he is going on holiday next month to Tenerife and is so excited it's all he talks about. If he ever dips mentally he quickly recovers when he thinks about his holiday. However I think I'm about to crash those dreams. I looked into travel insurance and the quotes went from £14 without declaring a mental health condition to upwards of £150 when this is declared. I have been researching this all day and there seems no way round it as if he doesn't declare it and breaks his leg for example the whole policy will be void. I feel so sad for him as he has been saving so hard for his holiday and I know he can't afford these sort of prices on top nor can I afford to help him at the moment. Has anyone had any experience of this and is there a way round it ? I would be grateful for any ideas
Have you looked at specialist insurance for medical conditions? I used one (was it Staysure, I'll go and check!) for us to have a family holiday with my husband even after he'd been diagnosed terminal with cancer. The website gave us a very clear option either to INCLUDE the cancer in his insurance, or EXCLUDE it. If we did the latter (we were in Europe) it cost about £20 for a fortnight for him, if we did the latter, it was about £500!

The point is, IF your son were to have an accident CAUSED by his mental illness, or have an episode OF his mental illness, it would not be covered. But simply 'breaking a leg' for reasons that had NOTHIGN to do with his MH, would be covered.

It was our choice what to include, and what not. We chose 'not' to include the cancer, and took that risk. Luckily nothing happened that was caused by the cancer.

Considering that Tenerife is part of Spain,part of the EU and the UK is (still!) part of the EU as well, I think surely that it would be worth taking the risk that he MIGHT have an MH-related episode.....but why not check out what care he would receive anyway, in the Spanish health care system, just as an EU citizen with his EIII (or modern equivalent) card?

SUCH a shame to cancel - not when he is SO keen.
Debra_16011 wrote:
Tue Mar 13, 2018 8:43 pm
Hi I don't know if anyone can help me. My son who has lifelong schizophrenia and has moved into supported housing is doing much better mentally. He has had his medication changed and takes them religiously. He is feeling so much better he is going on holiday next month to Tenerife and is so excited it's all he talks about. If he ever dips mentally he quickly recovers when he thinks about his holiday. However I think I'm about to crash those dreams. I looked into travel insurance and the quotes went from £14 without declaring a mental health condition to upwards of £150 when this is declared. I have been researching this all day and there seems no way round it as if he doesn't declare it and breaks his leg for example the whole policy will be void. I feel so sad for him as he has been saving so hard for his holiday and I know he can't afford these sort of prices on top nor can I afford to help him at the moment. Has anyone had any experience of this and is there a way round it ? I would be grateful for any ideas
https://www.mind.org.uk/information-sup ... qhLc-jFLIU

Not recommending but maybe of some help.

http://www.gocompare.com/health-insuran ... insurance/
sunnydisposition wrote:
Tue Mar 13, 2018 10:08 pm
Debra_16011 wrote:
Tue Mar 13, 2018 8:43 pm
Hi I don't know if anyone can help me. My son who has lifelong schizophrenia and has moved into supported housing is doing much better mentally. He has had his medication changed and takes them religiously. He is feeling so much better he is going on holiday next month to Tenerife and is so excited it's all he talks about. If he ever dips mentally he quickly recovers when he thinks about his holiday. However I think I'm about to crash those dreams. I looked into travel insurance and the quotes went from £14 without declaring a mental health condition to upwards of £150 when this is declared. I have been researching this all day and there seems no way round it as if he doesn't declare it and breaks his leg for example the whole policy will be void. I feel so sad for him as he has been saving so hard for his holiday and I know he can't afford these sort of prices on top nor can I afford to help him at the moment. Has anyone had any experience of this and is there a way round it ? I would be grateful for any ideas
https://www.mind.org.uk/information-sup ... qhLc-jFLIU

Not recommending but maybe of some help.

http://www.gocompare.com/health-insuran ... insurance/
https://www.hft.org.uk/wp-content/uploa ... mpaign=HIG

page 43
Really pleased your son is doing so well

He can't travel without the proper cover

Too risky for him and too worrying for you

No way around it

If you haven't told him yet, do

Better with the two of you on the case
Go to the Mind website, you will find a range of options. Do hope you can find something suitable, he really deserves a holiday. I had dreadful problems when I wanted to go to Australia after major surgery, even when I had scans to prove there was nothing wrong with my body!
Thanks for your replies and kind comments guys. I don't think there is a way round it I tried the company you suggested Jenny the man was very kind but his mental health condition can't be excluded. What has made the difference is the fact he has been sectioned within the last 10 years and has been admitted within the last 2 years. So if he stays well for the next 3 years the price come right down. I'm going to make sure he goes I decided as it's my birthday at the end of the month I'm going to ask ppl for money this year and use it for his insurance he needs this holiday so bad
I don't agree he CAN'T travel without insurance, since Spain is in the EU and so are we. (Do we seriously imagine that every EU citizen who lands on the UK - er, all the Balkan beggers for example?? - has appropriate travel insurance!!??? And we know some arrive specifically to make use of the NHS, and not just EU citizens either!) Not unless the travel company he booked with won't accept his booking without insurance (that's a commercial decision on their part).

However, of course it would have a 'risk' to it, and how much that is depends on how likely a 'breakdown is going to be, and that may be unknowable as this is not like his 'ordinary life' etc etc.

All that said, and you do decide to insure him for MH, do check out the cost of an annual policy compared with a fortnight - it might be worth the difference!!

I do wish you the best, as you say, he's SO looking forward to this holiday, and he really sounds like he'd benefit enormously from it!
Debra
That's a lovely thing to do. Give up any birthday money for your son's holiday insurance. I know, he will be happy, and benefiting, so you will be! I would do the same. Mother's love. You just make sure you have ' me time' .
A Google or any other Internet search ... MENTAL HEALTH ISSUES TRAVEL INSURANCE ... reveals :

1. Several companies " Offering " specialised insurance

2. Several charities providing guidance on the issue ... including MIND ... be alert to any " Tie in " links to third parties ... some charities now only include those who give a " Kick back " ... commission ... on orders ... link follows :

https://www.mind.org.uk/information-sup ... -insurers/

Guidance from the Government's own web site ... certainly worth reading :

https://www.gov.uk/guidance/foreign-tra ... lth-issues

Just one section :
Does your insurance cover your mental health condition?

Before you travel, get comprehensive travel insurance – which includes any pre-existing medical conditions you have, and ensure it covers all activities you intend to undertake. If you do not take out proper insurance, you will normally have to pay the costs of any emergency yourself, including expensive medical bills. Choosing to go to a country against our travel advice may seriously restrict any help we can provide and may also mean that your travel insurance is not valid. More guidance on insurance

Anyone travelling within the European Economic Area or Switzerland should also get a free European Health Insurance Card (EHIC). You can apply online, by phone on 0300 3301350 or at Post Offices.


In essence :

" Feelin' lucky , punk ? "

Be wary that SHOULD things not go according to plan , will anyone accept responsibility on the financial side ?

One would be dealing with Insurance companies who just enjoy paying out ?