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Travel Insurance - Carers UK Forum

Travel Insurance

Share your ideas about the practical side of caring.
I am sure, rather disappointingly there are rules on the forum that prevent anyone recommending a company for travel insurance but here goes!
Can anyone suggest one?

Recently tried to arrange travel insurance for my daughter who has a long term health condition and is a wheelchair user. She has never had an emergency hospital admission. She is only seen annually at her specialist hospital as her condition is stable and yet when I tried to get insurance cover 2 companies would not even consider insuring her. The other 2 wanted to charge me a few pence shy of £300 which represented about one third cost of the holiday and we are not even leaving the British Isles!! I am so tempted to not bother and yet in the past I have always been very against going away without it. What have others done?
Hi Diane ... I sympathise with your predicament.

There are online supermarkets for insurance quotes BUT ... as they operate on a commission basis , those companies not offering to share any commissions are often excluded from any tombstone for quotes.

After the debacle involving Age UK , always be wary of any caree supporting organisations offering specialist travel or any other form of insurance.

Maybe genuine BUT ... do your homework ... may take some digging.

Caree supporting forums are another avenue ... again , be wary of whatever results ... poster an insurance rep on the side ?

If a specialist insurer , no two quotes should be the same from applicant to applicant ... minute details may make the difference , sometimes £ XXX more !

An internet search ... TRAVEL INSURANCE ( INSERT ILLNESS / CONDITION ) ... would be a first step.

That would narrow the field down.

Over to other readers with similar problems to Diane and her daughter.
Hi Diane
If you are staying within Britsh Isles are you staying within NHS area? I ask because most of the costs of travel insurance are for medical fees and/or repatriation from abroad. Cover for cancellation and or delay and or possessions are the other things covered but are often lower value and if you could cover any loss of those yourself would you actually need travel cover if staying within NHS area?
http://www.thisismoney.co.uk/money/bill ... idays.html
Thanks for quick responses!

Going to Jersey so no NHS cover and involves flight so no jumping in the car to get us home.
In which case , that internet search as a starter for ten looks promising ?

Caveats on board , away you go ?
We recently went on holiday abroad and I tried to renew my annual insurance. after the questions about medication, health problems etc they asked whether I had any hospital appointments booked. I said that I did have one in a few weeks time. They didnt ask what it was for and just said in that case they couldnt insure me. I was gobsmacked and explained that it was only a dermatology appointment but they were adamant.

I tried two other very well known insurers and they wouldnt either.
Travel insurance problems feature heavily on most of the major money forums.

Even not declaring a future hospital appointment under many policies can be devastating if a claim is made.

Internet search ... TRAVEL INSURANCE FORUMS ... to narrow the search down.

The days of the old E111 and hope for the best are long gone.

EEC cover / Spain ?

Worth a whole category of it's own ... see the forums.
Chris From The Gulag wrote:
Thu Jun 21, 2018 9:08 pm
Travel insurance problems feature heavily on most of the major money forums.

Even not declaring a future hospital appointment under many policies can be devastating if a claim is made.

Internet search ... TRAVEL INSURANCE FORUMS ... to narrow the search down.

The days of the old E111 and hope for the best are long gone.

EEC cover / Spain ?

Worth a whole category of it's own ... see the forums.

Yes you have to declare everything or your insurance is invalid. There was a woman on the radio recently whose OH forgot to declare that he was on 2 blood pressure tablets a day instead of 1 which he had declared the previous time he did his annual insurance. He took ill on holiday abroad and the insurers refused to pay out.
I've used 'All Clear' and the form guides you through what you need to declare or not. That said, I've never had to claim on it yet!

What was helpful was that you used to be able to fill the form in without putting any personal info in, so you could see the impact on the policy of what you input medically - however, I think that has changed now.

I often, when simply wanting 'info' from insurance companies etc etc, create a 'slightly different' email version of myself, and enter the data with that link (which they nearly always ask you for these days!), that way, when I have the info, and know which one to go for, I go back in, create a new account with the site with my 'real' email, and then re-enter the data, and buy the policy.