travel insurance?

Cyber-Mav

Cyber-Mav

Cyber-Mav

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wondeirng when doing travel insurance its asking for medical issues seeing as there is a massive price increase even if declaring something like asthma what happens if you dont put down the medical conditions? will they reject any and all claims for e.g lost suitcase etc? will they also reject if you got e.g broken leg hospitalisation?
 
Cyber-Mav said:
wondeirng when doing travel insurance its asking for medical issues seeing as there is a massive price increase even if declaring something like asthma what happens if you dont put down the medical conditions? will they reject any and all claims for e.g lost suitcase etc? will they also reject if you got e.g broken leg hospitalisation?
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If you don't disclose something it can invalidate your whole policy.

Effectively you'd then have no insurance.

Edit: Try looking at a quote from Staysure - they're pretty decent for travel insurance
 
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In danger of veering into medical advice, but for Asthma they're really only going to want to know if its under control and whether you have ever been hospitalised for it. You are better to declare it and take the hit, but shop around for providers and its usually something people buy last minute and then get stiffed by taking what's put in front of you.

If you're going to travel more than once in a year, look at annual instead of one-off policies.
 
Something definitely not worth flouting. As someone above says, when declaring conditions - their main concern is that it's under control/any unplanned hospital visits in recent months. Used to cost <£10 per trip for the both of us, but along with mother-in-law and a few declared conditions, nearer £50 for a trip. A big jump but the other option is far, far worse (from personal experience with a friend).
 
peterwalkley said:
In danger of veering into medical advice, but for Asthma they're really only going to want to know if its under control and whether you have ever been hospitalised for it. You are better to declare it and take the hit, but shop around for providers and its usually something people buy last minute and then get stiffed by taking what's put in front of you.

If you're going to travel more than once in a year, look at annual instead of one-off policies.
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its mildest form i declared and it puts up policy price almost triple.

what i may do is just take travel insurance out for the wife and kid. i should be able to survive. iv been on holiday many times and always had travel insurance and never needed to claim, but sods law the one time i go without it im gonna end up needing it :cry:
 
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What is a "medical condition"?

Is it something that you need to take meds for?

Or would say, short-sightedness is a medical condition? clearly not, or even eczema?
 
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I have asthma and always declare mild asthma on my travel insurance.

Not sure which ones you are looking at but it hardly ever increased the cost.

Now just use my banks one.
 
It's not worth skimping on.

Makes so little difference to the price. But you'd regret it if you had to claim and it was invalid for that.
 
A lot of the costs are around if you have unplanned medical visits about x issue

If it’s all under control the insurance company won’t care as it’s low risk as long as you still declare it
 
so used compare the market and had a few quotes, tested 2 companies, puffin and vivo? rang their claims line and both had massive hold time vivo i think the name was got me to queue position 1 then hung up on me. puffin was on infinite hold so cant be asked with either of those 2 companies. world first picked up fairly quickly as did post office travel.
will try few more
 
Cyber-Mav said:
so used compare the market and had a few quotes, tested 2 companies, puffin and vivo? rang their claims line and both had massive hold time vivo i think the name was got me to queue position 1 then hung up on me. puffin was on infinite hold so cant be asked with either of those 2 companies. world first picked up fairly quickly as did post office travel.
will try few more
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If it helps, I get mine from AA usually.

A lot of them are just a broker, you could go direct to places like AXA.
 
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If you're going to europe you can get a GHIC card, which is like the old EHIC card. This gives you state health care either free or at a reduced rate.

There are also a few travel insurance companies that specialise in people with pre-existing conditions. Have a look around for them online.
 
I go with coverwise, they're underwritten by axa I believe.

Travel insurance is pretty cheap these days so isn't worth skimping out on.
 
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