| Travel Insurance woes - pre existing 08:40 - Jun 26 with 2069 views | geg1992 |
Hi all,
Sorry, not something to put on a forum like this but TWTD has many wise people that have helped in the past.
I have recently been diagnosed with inflammatory arthritis at my grand old age. This is an umbrella term and there are many individual diagnosis from here. As I'm still under investigation and testing, travel insurance won't cover me for this or any other conditions. I'm due to go to China next week. This is quite terrifying as the condition is considered systematic so I worry they may try to blame a heart attack for example on the condition and not cover me.
So, does anyone know of any travel insurance companies that may help even when under diagnosis? I was using staysure as they are usually good with medical conditions, but they basically told me I have no hope.
Not sure If I'm over-reacting here. Can't decide what to do! |  |
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| Travel Insurance woes - pre existing on 08:45 - Jun 26 with 2016 views | Steve_M |
I can't really help with the question but it is exactly the ability to ask these sorts of questions that makes TWTD what it is.
Also, sorry to hear about your diagnosis, sounds like it's going to eb a lot of work to deal with mentally for you as much as the condition so I hope you've got plenty of support. And, no you're probably not overreacting. |  |
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| Travel Insurance woes - pre existing on 08:51 - Jun 26 with 1953 views | geg1992 |
| Travel Insurance woes - pre existing on 08:45 - Jun 26 by Steve_M |
I can't really help with the question but it is exactly the ability to ask these sorts of questions that makes TWTD what it is.
Also, sorry to hear about your diagnosis, sounds like it's going to eb a lot of work to deal with mentally for you as much as the condition so I hope you've got plenty of support. And, no you're probably not overreacting. |
Thank you so much! Yes it's a bit of a nightmare as my mental health is already in the mud as my wife was taken to hospital seriously ill last year too and is still recovering, on top of many other things at the moment. With the diagnosis I was straight into 'do stuff whilst I can' mode, but now it's come to it, I'm terrified. Thank you for the reassurance and support, it's appreciated. It's already frustrating hearing people say "It's just arthritis", when it's very different being an auto-immune issue. | |
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| Travel Insurance woes - pre existing on 08:53 - Jun 26 with 1942 views | nodge_blue |
In my last job I worked on the IT for Aviva travel insurance portal and I got a feel for some of the restrictions applied by Aviva.
Im surprised that you couldn't just declare that you have inflammatory arthritis and it's rated as such. But you may be alluding that until the full diagnosis is done that you cant be assessed fully for the condition and what complications may arise. In which case getting a rating done becomes problematic.
Id suggest you ring Aviva and speak to them. Whilst not the cheapest, I would say that I think Aviva were one of the best for dealing with customers. They may be able to refer your details to the underwriters to get an opinion. |  |
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| Travel Insurance woes - pre existing on 08:53 - Jun 26 with 1922 views | geg1992 |
Thank you! Yes I'm going to try calling the British Insurers Brokers Association today to see what they say, which is mentioned on there! Fingers crossed. I don't care if I have to pay a large amount if it means I am covered. | |
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| Travel Insurance woes - pre existing on 08:55 - Jun 26 with 1896 views | geg1992 |
| Travel Insurance woes - pre existing on 08:53 - Jun 26 by nodge_blue |
In my last job I worked on the IT for Aviva travel insurance portal and I got a feel for some of the restrictions applied by Aviva.
Im surprised that you couldn't just declare that you have inflammatory arthritis and it's rated as such. But you may be alluding that until the full diagnosis is done that you cant be assessed fully for the condition and what complications may arise. In which case getting a rating done becomes problematic.
Id suggest you ring Aviva and speak to them. Whilst not the cheapest, I would say that I think Aviva were one of the best for dealing with customers. They may be able to refer your details to the underwriters to get an opinion. |
Thanks very much! I will try them this afternoon. I probably did make it worse for my self, as I mentioned I'm still being tested etc after mentioning the diagnosis, which then made them decide they can't cover me and mentioning everyone will have the same terms.
I'm also getting a document from the doctor today listing what they've actually diagnosed in the past. Hopefully this will help. | |
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| Travel Insurance woes - pre existing on 08:58 - Jun 26 with 1886 views | Pinewoodblue |
It is the fact that you are still under investigation that is the problem.
You could try Allclear but suspect you will get the same response. If you travel a lot look for an annual policy that renews automatically. The older you get the more health issues and higher the premium. Premium in March, to cover both of us was over £2,000.
For a lot of conditions insurers are shy of people with recent diagnosis, when had heart attack, 9 years ago, couldn’t get any cover until 90 days after discharge from hospital. Ended up taking out insurance 5 days before travel. |  |
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| Travel Insurance woes - pre existing on 09:01 - Jun 26 with 1864 views | nodge_blue |
| Travel Insurance woes - pre existing on 08:55 - Jun 26 by geg1992 |
Thanks very much! I will try them this afternoon. I probably did make it worse for my self, as I mentioned I'm still being tested etc after mentioning the diagnosis, which then made them decide they can't cover me and mentioning everyone will have the same terms.
I'm also getting a document from the doctor today listing what they've actually diagnosed in the past. Hopefully this will help. |
All the online premiums are done automatically, based on there being no grey areas. But there are still teams of underwriters in insurance companies who can assess risk and come up with manual premium calculations.
A specialist travel insurance broker may be another option as the link above suggests would get to the same result hopefully. | |
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| Travel Insurance woes - pre existing on 20:10 - Jun 26 with 1506 views | geg1992 |
Hi Everyone,
Thanks for your help earlier. Just an update - I managed to go through BIBA and find a company called All Clear. They were fine to cover me. Despite still having further tests the guy on the phone said that as I have a diagnosis as such - Inflammatory arthritis - this is sufficient for them to cover me.
Still terrified as the clause states -
We are unable to offer cover if you are undergoing tests or treatment for as yet undiagnosed conditions.
It's technically diagnosed although haven't had a final diagnosis as such.
Hopefully the call was recorded! :)
thanks again! | |
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| Travel Insurance woes - pre existing on 20:11 - Jun 26 with 1499 views | geg1992 |
| Travel Insurance woes - pre existing on 08:58 - Jun 26 by Pinewoodblue |
It is the fact that you are still under investigation that is the problem.
You could try Allclear but suspect you will get the same response. If you travel a lot look for an annual policy that renews automatically. The older you get the more health issues and higher the premium. Premium in March, to cover both of us was over £2,000.
For a lot of conditions insurers are shy of people with recent diagnosis, when had heart attack, 9 years ago, couldn’t get any cover until 90 days after discharge from hospital. Ended up taking out insurance 5 days before travel. |
Allclear worked - thanks so much!
Although not final diagnosis, they said having the initial diagnosis of inflammatory arthritis means they can still provide cover. | |
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| Travel Insurance woes - pre existing on 20:18 - Jun 26 with 1478 views | Daninthecampo |
Looks like you're sorted but the majority of banks that offer travel insurance as part of the account they ignore pre existing conditions. Obviously check with your bank but as an example my step mum in her 80' s lots of issues but also diabetes,no-one would cover her,Lloyd's cover the lot under her bank account |  | | |
| Travel Insurance woes - pre existing on 20:33 - Jun 26 with 1444 views | brazil1982 |
When I got my latest quote I had to declare I have had a blood clot in the last twelve months, and currently have ligament damage to a knee. A good number of providers wouldn't quote, I have gone with Travel Saver Insurance, cost me £100 more.
Always best to be honest with any condition of injury. Arthritis can't be an uncommon condition surely? [Post edited 26 Jun 2024 20:33]
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| Travel Insurance woes - pre existing on 21:36 - Jun 26 with 1319 views | ElephantintheRoom |
Check and see if you are already covered by your bank. If not ring me few brokers wi do travel insurance.
And discover god - you can get they’ll try and wriggle out of ant claim so pray nothing untoward happens. | |
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| Travel Insurance woes - pre existing on 21:42 - Jun 26 with 1294 views | KuqiCoochieCoo |
| Travel Insurance woes - pre existing on 21:36 - Jun 26 by ElephantintheRoom |
Check and see if you are already covered by your bank. If not ring me few brokers wi do travel insurance.
And discover god - you can get they’ll try and wriggle out of ant claim so pray nothing untoward happens. |
Not sure God will be of much assistance in paying any medical bills. |  | | |
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