Travelling with asthmatic child -- Travel Insurance

[ilovemydogandmrobama]

Need advice. DD (3) is asthmatic. We are planning to go to the USA (Seattle) to visit family, but am not sure how it would work travel insurance wise as it's a pre existing condition. Would she need her own policy, or can she stay on mine?

Any advice? Tips?

Thank you

phone your insurers. I use Nationwide (building society!) as they've always been reasonable for ds2 who has diabetes. We have family cover.

You can't use cheap policies, as they will not cover pre-existing conditions or at all if your DD has been in hospital within 12 months.

There are policies that you can get though.

We have an annual policy with Axa-PPP that covers DD and her asthma.

DS has asthma, which I declared when booking the policy. Obviously, this has brought the price up (about 50% from online estimate). But any problems with the condition are covered so, IMO worth it.

We got ours from Direct Line.

DS name is in the policy but we got a second document to show up in case we need to make a claim related to his condition.

In terms of saving you money, if you are only traveling outside of UK and Europe this time this year, it is cheaper to buy the insurance just to cover for this trip.

I booked an annual policy with the Post Office and simply declared it. They phoned me up and asked some clinical questions, charged us a bit more and we were all covered. Easy.

You should declare it, in the case of needing medical support, especially in the States where you need insurance for everything. And if you don't, it will invalidate the cover.

I don't remember it being MUCH more expensive (maybe in the order of 20 quid? Could be misremembering though)

I have an annual policy with the PO, they say in their 5 question declaration that if you have a medical condition that is treated by medication from you doctor and is monitered by him then you are covered.

But I am going to give them a call after reading WILFSELL's post