Does anyone have any tips on how I can get cheaper travel insurance to the US. I'm hopefully planning a 3 month trip to the US in June and so far the cheapest travel insurance quote I have been able to obtain on line is £490, this is almost as much as the airline fare!
I paid only £30 for a 5 week trip in Dec 2013, yes my condition has got worse since then and I have added lung complications but I really don't see how that can boost the price of insurance so high, if anyone has any suggestions or tips I would be grateful.
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How do you plan to access your treatments etc. whilst there? There is much to be thought about and planned for such a long trip - is your general health up to such a jaunt? DD
£30 for 5 weeks sounds amazing given your health issues. I've never had it so low. The things that insurers hate are 'undiagnosed conditions' and recent hospital stays. If you've now been signed off for your lung problems that will count in your favour but, if you're still seeing a consultant about them, that will be very much against you. They also dislike us taking more than two medications per condition. That bumps the price up.
One thing I've learned is that the ones who specialise in people will chronic diseases are by no means the cheapest. You literally have to spend hours at the computer because only some firms are on the comparison sites. Having chosen, I usually ring up to ensure I haven't omitted anything vital that would invalidate my cover. I wish you luck – and stamina.
How will you deal with your infusions? You won't be able to get them over there.
Good luck with your searching, and enjoy the trip.
Deb x
I have this problem and only travel in Europe, but its so expensive now.. and only one insurance will cover me because of back surgery looming and the meds I am on..so I cant really compare prices but they are good..Flexyco**r if you want to look them up..and you could try ringing them they can advise..good luck..
Barbara
My biologic drug is one injection per month and healthcare at home are usually willing to dispense 3 months worth of medication if you supply proof to them that you're going away. I will be staying with family for 3 months so it wont be like a typical holiday. Currently my health isn't good enough for me to make this trip right now at this moment in time but I'm confident everything would have healed from recent operations by then for me to make the trip.
Back then I was only on a 2 monthly infusion and pain dullers, I guess a lot has changed since then making the quotes sky high, if I don't declare lung complications then most of the quotes come back under £90 as soon as I add the lung complications they shoot up so I guess that's what is causing such a high price. I'm currently on a monthly injection now and not an infusion that's how its possible for me to go for the full 3 months. While I was on Humira I went for 3 months back then without any issues so I don't see any problem in terms of medication.
I would be slightly anxious if I could only take the exact amount of meds as I once had to delay my return due to a chest infection.
Please check that it's safe for you to fly long-haul after all your recent lung problems and the op that fixed things. I know it's different but I wasn't allowed to for 6 months after my knee revision. It's the blood clot danger.
I did ask about flying a couple of weeks ago and my doctor has said I'd be all good to go as long as everything is healed by then.
Yes Starburst small print is very important and often very tricky, I think I recall my policy last Christmas having something like 35 pages of small print. A lot to take in but it is something I usually do read over carefully.
(Why would anyone want to be not covered for the stuff most likely to go wrong :? )
I would never take out a policy that excluded my medical conditions, but I guess some people would rather take that risk than pay the extra fee. I did an on-line quote excluding my medical conditions and the policy was only £13 cheaper so it really isn't worth it.
I have another company to call today which was recommended by a friend of mine who works in a travel agents, the company is All Safe Insurance if you wanted to have a look, I will let you know how I get on.
I've added all three names to my list of ones to investigate once I get the all-clear to go. Thanks.