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AIBU?

AIBU to ask for your travel insurance recommendations?

15 replies

Dixiestamp · 12/07/2017 00:27

Ok, so maybe I'm posting here for traffic rather than having a real AIBU (but hey, plenty of others seem to do it!). We're going to America for 2 weeks and I've been looking at quotes. I have a few
pre-existing conditions (e.g. Migraine and disc related back problems) and when I put this info in the quotes produced are horrific (e.g. £500 for a single trip, and this is with a company who supposedly specialise in 'medical conditions'). I manage my conditions well and don't need further operations etc.
Does anyone have any suggestions as to good companies to use? I saw a post on Facebook last week that had been shared thousands of times, recommending one such company, but I can't find it. Help!!!

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Purplevicki · 12/07/2017 01:07

I have epilepsy and diabetes and I get my travel insurance via 'compare the market'. They never let me down. A long weekend in Las Vegas set me back £11.

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Dixiestamp · 12/07/2017 01:17

Fab- thanks, will have a look.

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BunnyBardot · 12/07/2017 03:36

I get mine free as I have a bank account with nationwide. You have to deposit £750 per month in the account to get the travel insurance free.

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BarbaraofSeville · 12/07/2017 05:28

Have a look at the advice on moneysavingexpert but I'm always wary of their 'travel insurance only costs a fiver' claim as it's never been that cheap for us, but I'm suspicious of the very cheap companies that I've never heard of so like to go with a big name - no idea if I'm right or wrong about this.

www.moneysavingexpert.com/insurance/cheap-travel-insurance

We've had an annual policy with Debenhams for the past few years and they seem fair in terms of good range of hazardous activities and don't charge extra for DPs migraines and high blood pressure, but we only holiday in Europe, so I expect it's the 'fear of huge medical bills in the US' that's making it expensive for you.

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Clickncollect · 12/07/2017 07:08

I've used insureandgo.com silver policy for years now - claimed twice and the claims were succsessful (one for lost items and the other because my Dad died so had to fly home early). Not sure about pre-existing conditions though. Good luck

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Dixiestamp · 12/07/2017 07:55

Thank-you, I'll check these out. I was shocked, really, as the ones I tried were ones which claimed to be 'low cost for pre existing conditions'!

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Dixiestamp · 12/07/2017 07:56

Click- so sorry to hear that.

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Clickncollect · 14/07/2017 15:42

Thanks @Dixiestamp x

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Fletchasaurus · 14/07/2017 20:13

I've used imsurewith, but used the post office last time. Hope that helps!

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clippityclock · 14/07/2017 20:36

Bizarrely this just popped up in my news feed on Facebook....

Thought i would share this, i have been trying to get travel insurance for a holiday/wedding i am going to in Santorini in August. Because i have had cancer i knew it would be difficult, anyway i have tried at least half a dozen insurance companies and the prices were staggering ranging from £2,500 (this is for a single 10 trip) £782, £590, etc etc, the lowest i got was £384. I was so annoyed as i have been clear for over two years and even when they insure you it excludes any pre existing conditions, then a lady i work with did a bit of research and came up with a company called insurancewith, (all one word), i put in all my details yet again and it came back with an unbelievable £22.84!!!!!! Well not believing my eyes i got someone to check it all, then i rang the company and a lady went through it all with me and said that the price was just that. Please pass this on to anyone who has had a serious illness it is brilliant, their phone number is 0845 8 687 234 and the website is insurancewith.com

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Clawdeen · 14/07/2017 20:41

I have an ever growing list of pre existing conditions. Like a previous poster, I can recommend insure and go- I've also had to make 2 claims and they were very easy to deal with. This year I've gone with staysure -slightly more expensive but they covered me for winter sports whereas other companies wouldn't.

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Riverdale32 · 14/07/2017 20:45

I use Cover wise OP. My husband has pre existing conditions and find them very reasonable - just back from a few nights in Europe and paid about £10 for both of us. Fortunately never had to claim in the last 4 years of using them. I think while price is important you would feel better hearing from people who have had to claim as that is what defines a good insurance company.

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M0stlyBowlingHedgehog · 14/07/2017 20:52

Any time you get a suspiciously low quote, google "[]company name reviews" - usually that throws up a string of complete horror stories about claims being turned down if the company is dodgy.

Debenhams and the Post Office have always been okay for me.

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Crumbs1 · 14/07/2017 21:30

People using cheap,companies or via compare the market may find they're not actually covered for anything related to pre-existing conditions or that insurance is invalid if not declared.
We use All clear which covers everything.

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Dixiestamp · 15/07/2017 00:40

Thanks for the tips- I went with Debenhams and got the Annual cover. Some of the cheaper ones (although not 'cheap' did look a bit dodgy, if I'm honest!

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