when going on hols do you get insurance for aspergers childen?

[trace2]

we have to pay loads more for dd illness but dont know if i have to for ds aspergers

Bump this one for you.

good question trace. I have no idea what the answer would be but I have and ASD child and it never occurred to me to state this to the insurers. (Is this wrong?)

We tend to consider it as more his way of thought processing rather than a physical illness. But, now that you mention it, I would love to know how the insurers would view it.

I wouldn't have thought so, a child with aspergers isn't more of an insurance liability medically, I don't think?

well have rung round a few and guess what? yes you do have to mention it its listed in the pre existing medical history

due to being unstable and anxiety!

Yikes, I have an annual policy and didn't even give it a thought to mention DS1's AS. DS2's asthma is on there, and doubled the cost of the policy!

just cost me £122 for year with dd illness and ds aspergers

I suppose looking at it objectively DS1 is far more likely to hurt himself than a 'normal' child, and therefore a greater risk to insure!

the reason we thought to ask was ds nearly got run over at Manchester airport we was busy getting cases and so on and ds run out into road, hes not very good with roads

Extra tax on the disabled! Do they assume that ASD labels mean that all ASD children behave and respond in exactly the same way?

If my DS broke his big toe playing tennis (as did my DH on our last family holiday), then the insurers would have been within their rights to refuse to pay out because he has an ASD diagnosis?

well there's another good reason not to get a diagnosis then.

I've never looked into it properly.

We have BUPA coverage (for travel too) an dd1 is covered (ASD). She has been covered since birth, though, so was already "on-scheme" when she was disgnosed, as iirc, her premiums have not gone up.

Have not studied the breakdown for travel ins, though

we have payed more but at least hes now covered!

Over recent years we have insured everyone except for my dd's disabilities - she is uninsureable. My take on it is - use the E111 and if she is ill on holiday - the french health service is as good as ours, maybe better. So far we've been lucky.

talullah - surely you would be able to argue that a broken toe is in no way connected to a previous diagnosed condition so it would be covered? Is there an ombudsman for the insurance industry?

Just a thought but MacMillan centres are able to provide details of insurers who cover terminally ill patients. So it must be possible to get cover for all circumstances.

Marsbars: But how far would they stretch the arguement? My DS has related conditions too such as dyspraxia.

We recently went to Disneyland Paris booked via Thomas Cook and our insurance premium doubled after I queried whether ASD was covered. I paid £56 for 5 nights cover which I thought was ridiculous but wanted to be sure we were covered, especially as we'd now bought the issue to the insurers attention. Our premium was based on anxiousness and unpredictablility though so i guess if your child doesn't suffer from this you shouldnt have to pay extra