IBD and Travel insurance

[DaffodilsInAJamjar]

Wondering if anyone has any thoughts or experience of arranging travel insurance when a family member has IBD?

It is currently (touch wood) relatively under control on new biologics, but there is a long history of hospital admissions, iron infusions and blood transfusions.

Previously we’ve used generic jet2 insurance, and then declared and paid the additional fee each trip.

But what I’d ideally like to find is an annual policy that I could set up and then just renew each year. This would mean only having to go through the declarations annually and would also mean that my loved one is fully covered with a good policy for spontaneous trips.

Does anyone know if this sort of policy exists? And if so, any companies to consider/avoid?

If you google it I am
aure there was a government link to firms that provide insurance for existing medical conditions.

We use StaySure but it jumped up £100s to cover one family member with IBD.

My parents use staysure. We have insurance through the bank who don’t change for our shopping list of conditions but they are all under control and no procedures in last 3 years

If

Sorry, are you only charged loads more if you've had a hospital admission?

Have you looked at the travel insurance that you can get with your bank account? I’m with Barclays and use theirs. I have ulcerative colitis and they don’t charge me any extra

Thank you for the replies. I wasn’t aware of the government suggested providers- I’ve had a look on there and written a list to work through. StaySure is on there as mentioned by a couple of you- I think I’ll get onto them today and get a quote.

I actually don’t know how it works in terms of recent hospital admissions affecting the prices quoted. I’m expecting a large quote, but we’ll see!

My TA included in my HSBC premier bank account excluded any IBD related claims when I advised them. I think because investigations were ongoing when I booked a trip. I plan to call again and hope they will cover future trips.

Try Insurancewith. They specialise in insurance for travellers with medical conditions. They have annual and single trip options.

I have cancer and found them a lot cheaper than StaySure for a single trip. I was happy to have a relatively high medical excess as my condition is stable.

If you have hard-to-insure medical conditions it may be difficult to get an annual policy, so a single trip policy might be easier to obtain and cheaper.

HSBC wouldn't cover my husband for ischaemic heart disease even though he is asymptomatic and only found through a study.

My son has UC went to Australia for 3 months last year I think with stay sure.

Are you in the UK? If so, try a price comparison engine like moneysupermarket.com or gocompare. Input all the details and complete the health screening questions as requested. These questions, for example, will ask about anything someone has seen a doctor or consultant for in the past two years, which will include going to hospital. Challenges faced in taking out travel insurance tend to be more related to ongoing investigations for example, waiting for a referral appointment for a procedure or a diagnosis rather than a health condition that is well controlled.

The waiting is looooong these days though!!
Thanks for tips.