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#1
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Travel insurance for Senior's
Any recommendations for annual travel insurance for a couple approaching 70?
Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Derek. |
#2
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Travel insurance for Senior's
"Derek F" wrote:
... When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" I cannot answer your principal question, but while I might trust your doctor on medical matters, I would not take his advice on insurance. If you have a problem based on a known pre-existing medical condition, your insurer would be entitled to void your claim. -- PB The return address has been MUNGED |
#3
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Travel insurance for Senior's
"Derek F" wrote in message ... Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Derek. looking at one web site where you can apply for Travel insurance, the Question about "pre existing medical condition" is this: QUOTE Q - I have a medical condition, can I be covered? A - Before you buy a policy, we ask you to confirm that you are NOT a.. receiving or on a waiting list for treatment in a hospital or nursing home b.. travelling against the advice of a medically qualified doctor c.. travelling for the purpose of obtaining medical treatment d.. travelling after being given a terminal prognosis If you can confirm all these points you can buy our cover online UNQUOTE To me the conditions mentioned clearly do not affect this policy paying out. But of course each insurer is possibly looking at these conditions differently. One web site worth looking at which contains many comparisons and information is : http://www.moneysupermarket.com/Trav...nce/?gsl=1&p=0 |
#4
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Travel insurance for Senior's
Derek F wrote:
Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Derek. My mother (age 73) was quoted £189.05 for single person worldwide cover with Preferential ( this includes 5% discount for no claims). LLoyds TSB have quoted £111.77 for the same level of cover, Ph. 0800 072 3321. Eagle star also are supposed to be reasonably priced for senior cover, though I haven't got through to them yet, Ph 0800 555 200 HTH Jan |
#5
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Travel insurance for Senior's
"Padraig Breathnach" wrote in message ... "Derek F" wrote: ... When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" I cannot answer your principal question, but while I might trust your doctor on medical matters, I would not take his advice on insurance. If you have a problem based on a known pre-existing medical condition, your insurer would be entitled to void your claim. -- PB Exactly, that was why I asked his advice on what should be told. Derek. |
#6
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Travel insurance for Senior's
"Nige" wrote in message ... "Derek F" wrote in message ... Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Derek. looking at one web site where you can apply for Travel insurance, the Question about "pre existing medical condition" is this: QUOTE Q - I have a medical condition, can I be covered? A - Before you buy a policy, we ask you to confirm that you are NOT a.. receiving or on a waiting list for treatment in a hospital or nursing home b.. travelling against the advice of a medically qualified doctor c.. travelling for the purpose of obtaining medical treatment d.. travelling after being given a terminal prognosis If you can confirm all these points you can buy our cover online UNQUOTE To me the conditions mentioned clearly do not affect this policy paying out. But of course each insurer is possibly looking at these conditions differently. One web site worth looking at which contains many comparisons and information is : http://www.moneysupermarket.com/Trav...nce/?gsl=1&p=0 Moneysupermarket who proudly boasted over 1400 insurers only came up with two options and then said "Unfortunately Moneysupermarket is unable to provide a quote for those with pre-existing medical conditons" (their spelling) Derek. |
#7
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Travel insurance for Senior's
Any recommendations for annual travel insurance for a couple approaching
70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" SAGA - more than just 'Sex And Games for the Aged' |
#8
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Travel insurance for Senior's
"D.A.L." wrote in message ... Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" SAGA - more than just 'Sex And Games for the Aged' I've been quoted by them before and found them to be very expensive Derek. |
#9
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Travel insurance for Senior's
"Derek F" wrote in message ... Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Recent report in Which? recommends the following as good for world-wide annual cover for 65-69 year olds, with quote: www.annualcoverdirect.co.uk £54 www.marksandspencer.com/travelinsurance £63 www.goldfish.com £83 www.insureandgo.com £85 National Australia Group £89 from Clydesdale, Northern and Yorkshire Bank. Other than Goldfish and Netcover, the others are also good for those with pre-existing medical condition, as being most flexible (researchers posed as customers with high blood pressure, slipped disk and diabetes). Alec |
#10
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Travel insurance for Senior's
"Alec" wrote in message ... "Derek F" wrote in message ... Any recommendations for annual travel insurance for a couple approaching 70? Last years European cover (with Preferential) of £118 is now going up to £153 and this year we need Worldwide. No major health problems, last year my controlled hypertension and acid reflux was included in the quote. Since then a small aortic aneurysm has been discovered which will be measured again in 18 months and my blood sugar has gone up to 7.3 which medicine by numbers says is Diabetic as the normal limit is 7.1! When I asked my doctor what to say to an insurance company, he said "Tell them nothing, none of it is really a factor" Recent report in Which? recommends the following as good for world-wide annual cover for 65-69 year olds, with quote: I will soon be 70. www.annualcoverdirect.co.uk £54 Age limit 69 www.marksandspencer.com/travelinsurance £63 Marks & Spencer Travel Insurance has no age limit for single trip cover. However, their annual multi trip product is not available to persons aged over 70 www.goldfish.com £83 Goldfish does not do travel insurance except by phone www.insureandgo.com £85 Their quote without any medical conditions £109.40 per person. National Australia Group £89 from Clydesdale, Northern and Yorkshire Bank. I will enquire at my local Clydesdale. Derek. |
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