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Travel Insurance Options
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Alison-RH
#1 Posted : Friday, March 22, 2013 7:07:04 PM Quote
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Hello Everyone.....I'm due to visit my sister in LA soon and am wondering what to do about travel insurance. Do I have to tell them that I have Psoriatic Arthritis? I'm not expecting to have to need any medical help whilst there but it's just in case of an accident - in which case, my medical needs would be the same as someone who doesn't have arthritis. The only thing I would need to let the doctors know out there is what drugs I'm taking. Just wondering what you all do? Many thanks ......Allison
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Dorothy-W
#2 Posted : Saturday, March 23, 2013 9:26:37 AM Quote
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hi alison,yes you need to declare all conditions/medications on form or it will be null and void if anything happens to you,(hopefully not),i always declare all ailments and i have not been loaded,i have used staysure who i found really good a very big choice list to tick and price reasonable and last time i went with saga my daughter went with me,she is 27 i had no problem including her on the policy,it was a good price but you need to check them out,but do declare for your own sake also any aids you need to take ie= walking stick etc,good luck,dorothy
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Anne-P
#3 Posted : Saturday, March 23, 2013 11:59:50 AM Quote
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Location: South Hampshire
Hi Allison

As Dorothy has said, yes definitely take out medical insurance. I went to LA years ago - have fond memories of it.

You do need to declare all medical conditions, otherwise even if you have an accident, and they say that the condition could be a contributing factor you will not be covered. It is not just treatment abroad you need cover for - but if you need repatriating (ie nurse travelling with you back home - due to accident) - this can cost £20,000 plus!! So definitely get some cover.

Some of the banks do insurance with your main current account - you have to phone them to have your conditions screened and they then charge you an extra premium. Make sure your policy is worldwide and not just Europe - and it lasts for enough days away - some only do 21 days.

Some conditions are surprisingly cheap - I only had to pay £10 for RA, but £40 for underactive thyroid!! My lung condition is much higher!!! Apparently it depends on what people claim for. With the special assistance I get on the plane, I was with a lady being repatriated from Lanzarotte at Christmas - she'd had to have a new hip!!! All she did was fall on an uneven step. She had a private nurse travelling with her and said her treatment had been excellent - and was so glad she'd got insurance cover!

Might be worth phoning round. Try Saga - I had quite a good quote from them. You can get a price just for the time you are away - or an annual policy if you travel a lot. Compare the prices.

Take care
Anne
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Kathleen_C
#4 Posted : Saturday, March 23, 2013 7:34:47 PM Quote
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Hi,

I always declare everything - that way is the safest, I think. I`ve never paid over the odds for travel insurance. We usually use Saga - their annual policy is quite good value.


Kathleen x
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Alison-RH
#5 Posted : Monday, March 25, 2013 2:47:51 PM Quote
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Do Saga insure people under 50? I'm only 43!!
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Anne-P
#6 Posted : Monday, March 25, 2013 9:35:28 PM Quote
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Hi Alison
That's a good question!! I only got a quote this year for the first time - as I'm now 50!!!! but only just!
Anne x
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Dorothy-W
#7 Posted : Tuesday, March 26, 2013 2:17:50 PM Quote
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think its 50+ but worth a try,can only ask,i got my daughter on mine but i am over the 50,dorothy
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Mairead-H
#8 Posted : Sunday, April 14, 2013 2:09:07 PM Quote
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Location: Birmingham
I'm under 50 (just) and got some very good insurance from a company courtesy of Moneysavingexpert.com. I used InsuranceWith who covered me for Rheumatoid Arthritis and Meniere's Disease for about £40 which isn't great but the 'included' options covered me for boat trips, surfing, paragliding etc lol. On a serious note, many people take holiday insurance and then don't realise they're *not* covered for these activities!

The information provided by the insurers they brokered for me was very good - simple and easy to understand. They even provide a letter/leaflet to hand to whatever medical professional you need to deal with in the case of an emergency, something I've never come across before. This takes a lot of pressure off you and your loved ones should something happen. They even had a team of interpreters to speak to the medical professionals. Well worth the additional premium I paid.

Hope that helps.
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Caroline-B
#9 Posted : Thursday, April 18, 2013 8:55:11 PM Quote
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Location: Southampton
Hi Saga will only insure those over 50.

I use Columbus Direct - have used them for years since before I was diagnosed with RA in 2007; as I also have hypertension. I think you can go to their website and do it. They have a link that takes you to the medical screening page.


Hope you find something suitable.




Caroline
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