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Can anyone suggest travel insurance which allows you to EXCLUDE pre-existing medical conditions?

34 replies

Aridane · 01/12/2019 10:28

I have to buy some travel insurance (tour company won't take me without it).

I have some pre-existing medical conditions which make travel insurance very difficult to purchase (or even obtain).

I am very happy to have the medical conditions excluded as they are well managed (in my view and that of my GP).

However, I cannot find trVel insurers that will let you disclose medical conditions and then have them excluded. Some will underwrite you and themselves impose an exclusion but it is very time consuming as you through 20 minute + screening only to be declined or quoted a prohibitive price.

Many thanks

OP posts:
Aridane · 01/12/2019 18:51

@theunknownknown

I was looking at Nationwide Flex

nationwide.co.uk/support/support-articles/manage-your-account/travel-insurance/travel-insurance-with-flexaccount

Can anyone suggest travel insurance which allows you to EXCLUDE pre-existing medical conditions?
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Aridane · 01/12/2019 18:54

@ElphabaFlies - my GP (and oncologist) are OK with this - I a, comfortable with their judgment

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Aridane · 01/12/2019 18:59

@Wigglewagglee - the insurance I bought that another pp recommended tells you explicitly which conditions are not Covered when you disclose a medical condition and decline cover for it (or the insurance company itself excludes it).

Sor, for example, in declaring and excluding kidney cancer, I am not Co feed not just for kidney cancer but also for Hydronephrosis, Chronic renal failure, Metastatic spread from excluded cancerous condition

OP posts:

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Aridane · 01/12/2019 19:00

And you fell into that trap of 'awaiting test results'...

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Aridane · 01/12/2019 19:01

(I ,ran by waiting for the results of your biopsy - insurers don't liKe what
they perceive as uncertainty)

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mrsbyers · 01/12/2019 19:02

World first are very reasonable for those who do want existing condition covered

Aridane · 01/12/2019 19:02

Sorry - typos above

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CFlemingSmith · 01/12/2019 19:14

We use Axa and they're good with previous medical conditions

littlebillie · 01/12/2019 22:12

Try Worldfirst

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