Note: Please bear in mind that whilst this topic does canvass opinions, it is not a fight club. You may disagree with other posters but we do ask you please to stick to our Talk Guidelines and to be civil. We don't allow personal attacks or troll-hunting. Do please report any. Thanks, MNHQ.

To hate fucking insurance companies

(70 Posts)
ReindeerBollocks Sun 07-Apr-13 21:15:15

Before I will begin, let me just start by saying I know I'm being Unreasonable.

I'm livid. We were looking to book a holiday to America next year. We want to do the big D (I know, I know) and also travel on the West Coast. Ambitious but much wanted.

All fine, we have some small savings which make this possible. Just about.

Except we didn't take into account insurance for our family. Two people with past and present medical conditions. I understand that this will be difficult but our quote was higher than the price of the holiday.

Fucking Insurance Fuckers.

sad

dixiechick1975 Fri 12-Apr-13 19:41:16

Try asking on thedibb.co.uk

Specialist british forum for US disneyworld holiday planning

They will point you in direction of specialist insurers.

SugarPasteGreyhound Fri 12-Apr-13 19:36:59

X post - glad you are sorted!

SugarPasteGreyhound Fri 12-Apr-13 19:35:47

I work for an insurer.

UNDER NO CIRCUMSTANCES TRAVEL TO THE USA WITHOUT INSURANCE

The reason why it is so expensive is because the cost of healthcare is astronomical- there is nowhere in the world more expensive if you are ill.

FYI to the poster who said "it's a bit of a debt". Wake up and don't be so bloody stupid. I have known of cases where tourists have been uninsured and have had to take out second mortgages or sell their houses to pay their treatment fees. It can cost thousands of pounds a DAY.

OP I am genuinely sorry, but if it's any comfort virtually all companies end up out of pocket on their USA risks, because the claims are so costly.

mintyneb Fri 12-Apr-13 18:52:49

Reindeer, I haven't read all the thread so apologies if this has already been said but by splitting up the insurance for the party between 2 policies (if I've understood you correctly) are you happy that if the transplantee say fell ill and had to be flown home or kept in a local hospital that at least one person on the other policy would be insured to go/stay with them? Or if your DS had to be admitted to hospital just before the holiday and you had to cancel, would the other persons flight/hotel bill be covered? I know insurers often ask if there is anyone's health (insured or otherwise) that would affect the trip going ahead.

And I know exactly where you are coming from with regards to insurance companies as my DD has CF and I too face the annual battle of getting her insured.

lozster Mon 08-Apr-13 22:47:57

Oops - just saw you are sorted! Great. Enjoy.

lozster Mon 08-Apr-13 22:46:32

I'm sure you've done your research (and some) but just in case, did you try Insure and Go?

ChippingInIsEggceptional Mon 08-Apr-13 22:35:49

That's brilliant news smile I hope you have a fab time and your two 'patients' are well and thoroughly enjoy the trip!

NonnoMum Mon 08-Apr-13 22:29:47

Have a fabulous holiday! xx

QOD Mon 08-Apr-13 22:27:36

Hurrah!

jkklpu Mon 08-Apr-13 22:23:50

That's fantastic, really well done for keeping it together. Have a wonderful trip.

greenfolder Mon 08-Apr-13 22:22:29

That's fantastic. For those that say "just risk it" my dad had a heart attack in california. Totalling up the final bills it came in at 475000 dollars including 10 days in intensive care and repatriation. Each day in intensive care was 20,000 dollars. He took insurance out at the airport just before he got on the plane. Seriously don't even consider it (not you op who has clearly got sense!)

DevlinMaccabee Mon 08-Apr-13 22:19:31

Wonderful news!

Wannabestepfordwife Mon 08-Apr-13 22:04:08

They have tightend up since my days of insurance. Really hope your new quote works out for you and you have a fantastic time

ReindeerBollocks Mon 08-Apr-13 22:02:38

Fortis wouldn't quote the CF'er due to his long and complicated history (rectal prolapse, gastrostomy and haemoptysis). I don't blame them - I wouldn't want to insure DS either!!

Wannabestepfordwife Mon 08-Apr-13 21:58:53

Op have you tried fortis? I believe the PO and Swinton use them.

When I worked for an insurance brokers they were fantastic they were reliable and they covered one customer who had lekumia to go to the US.

From what I can remember they were about £80 for 3 week trip or about £120 annually

lougle Mon 08-Apr-13 21:49:39

That's wonderful news grin

ReindeerBollocks Mon 08-Apr-13 21:48:06

Thought I would come back and update this after my efforts today.

I took the advice from here and from a good travel agent friend today and decided to see what would happen if I booked insurance for the 'difficult' family members separately, using some of the links provided in this thread.

Well, it has made one hell of a difference. We managed to get the kidney transplantee's insurance down to £100. Luckily it has been a fairly easy road since the transplant <touch wood>.

However the CF'er has been much more difficult to insure. Lots of quotes coming in at over a grand for this one very small, but very high risk person. But we have struck gold and managed to get a quote for just under £200!!! This also included cover for the remaining members of the family who have no medical issues.

I also would like to apologise to insurance companies. I have shopped around and I realise that it's down to the American healthcare system, not the insurers as to the extortionate rates (in this instance wink).

So a huge thank you for everyone who contributed to the thread. It has been a help and a guide that I referred back to when searching for quotes. These sums will make it do-able. So I currently look like this -> grin grin grin

Verbalpunchbag Mon 08-Apr-13 07:20:28

Go to Canada it's just like the U.S but more civilised.

QOD Mon 08-Apr-13 07:06:47

I'm a normal kind, one week in hospital in Cyprus and surgery, flight home as obviously I missed my original one, taxi from airport as rest of party had gone home on original flight
£4000
£250
£90

Insurance £30 for a year

That was fun

Re mental health, it's the risk of suicide. Isn't that ridiculous? Plus mental health hospitals are pricey

I'd go look France without insurance, or mainland Spain if I really couldn't afford the insurance, but not anywhere where I couldn't get home by car and ferry
I've just paid £38 for annual European cover for me and daughter and that is with cover for gastric bypass complications
If I had a bowel problem, I'd have not been covered
Never happen? Mum had ruptured appendix in UK then two yrs later blocked bowel on holiday. She had gangrene and a big stretch of intestine removed
We're just normal folk with no long term issues
Honestly, madness to not take out insurance
Op have you done Disney etc or America yourself before? It's truly utterly exhausting travel and unless you went in their winter, can be suffocatingly hot. Try getting a quote for October half term maybe? Might be less risk and cheaper?

mortifieddotcom Mon 08-Apr-13 05:18:07

Last year my uncle damaged his back (agony) on holiday. No previous problems. He was in California and his total bill was nearly $100,000. Luckily his insurance covered it. They sent a nurse to fly home with him. Ambulance met him at Heathrow and transferred him to hospital.

Nice bit of debt for you there Happy. Do you have an extra 100k lying around?

holidaysarenice Mon 08-Apr-13 04:58:34

Now OP having hijacked ur thread, but travel insurance really gets my goat!!

Could you try some of the charities like Make a wish type ideas to see how they get cover, if they could recommend someone? Or the CF charities might be able to suggest something?

holidaysarenice Mon 08-Apr-13 04:57:02

Will somebody please take happy out and educate her cos she is making me incredibly cross.

happy here's my not so happy story to make you think twice:-

I was young, healthy, happy and carefree on holiday with my very healthy and happy dad. He died as the result of a tragic accident.

It was horrendous, I pray I never have to face an experience like that again. If I'd had no travel insurance (because after all I was happy healthy and young and in the EU!) It would have been thousands to bring me home, and my dad may not have ever come home and may have been buried out there. It was tens of thousands.

My yearly policy is 18.50. Really why would you risk it? If a happy healthy adult can afford the holiday, they can have the insurance.

sashh Mon 08-Apr-13 04:48:41

Try the post office.

My mum was quoted a huge amount for a trip to France (several medical conditions including 1 terminal).

The post office were very reasonable.

But you could be a liability, why would your premiums be low?

Actually you don't know if someone is a liability. My main health condition is arthritis. The chances of me ending up in a hospital abroad are virtually nil because it is well controlled and I take care of myself.

It also means I won't be

riding a motorbike
skiing
paragliding
getting drunk and climbing on balconies

So why is my premium higher?

TheCraicDealer Mon 08-Apr-13 00:55:48

The difference is those people can't just up and move to somewhere with free healthcare, whereas the Op doesn't have to go on holiday. She has a choice to postpone until they can afford to cover all eventualities, which is sensibly what she's doing. Her family's circumstances, which you don't seem to be taking into account, mean that there are two members of her party who may require medical care whilst away. And I guarantee, even if only one of them is taken ill then their care will cost over and above the premium charged by Insurers. Tens or hundreds of times more is not an over exaggeration.

From personal experience, my DM was asked for Insurance documentation when we were in Florida, which I've said about above. If you don't have any arrangements in place they schlep you off to the less salubrious hospital down the road once you're stable. I really do hope that you're never in that position.

happybubblebrain Mon 08-Apr-13 00:17:01

CraicDealer - but the OP can't afford it either. Most people can't afford travel insurance that costs more than a holiday. Even if they could, who in their right mind would pay it?

I agree with the OP - Fucking Insurance Fuckers. Rip-off merchants. Someone somewhere is getting very rich at the expense of others. I wouldn't pay it. Either go somewhere else in the world where insurance/heathcare is cheaper, or take a chance and travel without it. Don't waste all that money, especially if you don't even have it to waste.

CraicDealer - Paying out insurance for this that and the other has contributed to lots of people having less money and lots of people losing their homes as a result. On top of other living expenses high insurance costs can tip peoples' finances over the edge into the red.

I too hope the OP gets a nice holiday.

Join the discussion

Join the discussion

Registering is free, easy, and means you can join in the discussion, get discounts, win prizes and lots more.

Register now