Travel insurance

tinkywinky
tinkywinky Member Posts: 4
edited 25. Apr 2013, 06:08 in Living with Arthritis archive
Hi new here and wondered if anyone had any advice regarding travel insurance, :D
We are travelling to the US in june and i realised when looking for this that i had to put my conditions, which are osteo arthritis in a few places and fybro, i then realised that this doubled our insurance, but when you think about it my fibro is managed by my meds, and so is my osteoarthrtis, it seems silly to pay double for them to cover it when i cant really think of a situation where is would need me to be repatriated cos of it ! so im thinking i might as well just get insurance that just doesnt cover existing conditions and save my money, what do people think ?

Comments

  • lily
    lily Member Posts: 160
    edited 30. Nov -1, 00:00
    Hi

    If it were me i would pay and declare your conditions, If i remember rightly then if you do not declare medical conditions then this cancels your insurance

    Last year i found a website that covers medical conditions and it was not much dearer than insurance without medical conditions,

    I cannot right now remember the website but all i did was put in" travel insurance with medical conditions"

    Hope this helps
    Lily
  • mig
    mig Member Posts: 7,154
    edited 30. Nov -1, 00:00
    Have a look at worldwide travel. Mig
  • sailrib
    sailrib Member Posts: 327
    edited 30. Nov -1, 00:00
    I would declare everything.

    My Dad has had knee joint problem, he was born like that. His knee joint is all lumpy and not smooth so doesn't move as well.

    My Dad traveled round the US a few years ago (both parents are American) on his bike and fell off and broke his patella, the bone in front of knee.

    The insurance were not wanting to pay up for his treatment as when they X-ray him as a emergency, they found his damage. He had a bit of a fight on his hands to make the insurance people happy.

    My Dad didn't think he needed to say anything about his knee.
  • joon51
    joon51 Member Posts: 221
    edited 30. Nov -1, 00:00
    Hi I have my travel insurance with my bank and have declared my ailments and pay £30 roughly a year.



    Take Care

    June xx
  • barbara12
    barbara12 Member Posts: 21,281
    edited 30. Nov -1, 00:00
    Travel insurance shouldn't be expensive with OA and fibro..mine was around £30...till I was put on pain patches..that has made a big difference...4 times more...there are a few out there ..just google insurance with certain conditions..
    Love
    Barbara
  • ritwren
    ritwren Member Posts: 928
    edited 30. Nov -1, 00:00
    It's worth while declaring all medical conditions. They could refuse to pay for your treatment if you don't declare a condition even if it's for example a heart attack you have. For the sake of a few pound more you'll have peace of mind.
  • tinkywinky
    tinkywinky Member Posts: 4
    edited 30. Nov -1, 00:00
    Thanks all, i have since found a quote for myself and hubby for 88 quid, declaring all problems,
  • charleeh
    charleeh Member Posts: 173
    edited 30. Nov -1, 00:00
    Go online to allclear options its really easy to get a quote and you declare your conditions then and there.

    I paid £70 to go to america fully covered and declared my arthritis (both me and my husband)

    best wishes

    Charleeh
  • Helenbothknees
    Helenbothknees Member Posts: 487
    edited 30. Nov -1, 00:00
    There are two separate issues here....

    You need to declare all medical conditions, as if you don't you may not be covered for anything at all which happens.

    However, with some companies it is possible to EITHER pay extra for conditions and be covered for anything associated with them, OR not pay and not be covered for such problems.

    In other words, you can declare you have OA, for example, but not pay extra and not be covered for anything caused by your having OA. This is not the same as not declaring it.
  • jabster
    jabster Member Posts: 39
    edited 30. Nov -1, 00:00
    Columbus direct have been very reasonably priced for us with me declaring a few pre existing. You can also get insurance with them excluded but is rather be covered than not. HTH
  • tinkywinky
    tinkywinky Member Posts: 4
    edited 30. Nov -1, 00:00
    Thanks again, i have been busy trying to get more i also have high blood pressure, which i forgot when posting, the problem with not asking for oa to be covered is i have it in just about every joint, so would end up with none of me covered lol
  • elainebadknee
    elainebadknee Bots Posts: 3,703
    edited 30. Nov -1, 00:00
    Tinkywinky

    I think as you have two conditions and okay they are manageable to you but they could flare up at any time and america don't treat unless you pay upfront do they?
    If I were you I would declare the conditions, do some internet research, there must be compatible sites? I declared last year just going to menorca that I was due to have knee replacement surgery in 3 weeks time, it wasn't that much more and okay it ain't the US of A but as I said there must be sites willing to give reasonable insurance...

    good luck

    Elainexx
    tinkywinky wrote:
    Hi new here and wondered if anyone had any advice regarding travel insurance, :D
    We are travelling to the US in june and i realised when looking for this that i had to put my conditions, which are osteo arthritis in a few places and fybro, i then realised that this doubled our insurance, but when you think about it my fibro is managed by my meds, and so is my osteoarthrtis, it seems silly to pay double for them to cover it when i cant really think of a situation where is would need me to be repatriated cos of it ! so im thinking i might as well just get insurance that just doesnt cover existing conditions and save my money, what do people think ?