It might be worth looking at Staysure, Fiona, when she was still travelling abroad we were able to get decent single trip quotes for my Mum as an 80+ woman with angina. Taking out an annual policy was very expensive but by that stage she was only doing 1 or 2 trips per year and just getting separate insurance for each one worked out much cheaper.

Staysure is one I have already had recommended.
Thanks Sma. Good that I have another thumbs up for it.

Following my triple by-pass in September 2015 I asked the hospital whether I would have difficulty getting travel insurance. They said there shouldn't be a problem as the trouble had been sorted out. I haven't had a chance to put this to the proot yet, as by the time I had fully recovered from the operation sciatica decided to appear, swiftly followed by a worsening of my osteoporosis.

I've had an annual policy with them for a while, Fiona, and for the last two years I have just allowed the autimatic renewal to happen because all the upheavel with family matters meant that I really couldn't be bothered to start shopping around. But this year I did do, suspecting that having been with them this long that there was a good chance that I was being taken for granted and that they might no longer be the cheapest option. However, it turned out that they were still the best option for cover that would include Cuba and cover my pre-existing conditions.

The clincher was that they didn't heavily load the premium to provide cover in the event of me needing to cancel due to illness on my Mum's part. For example, Virgin were giving me really competitive cheap quotes to cover me and my pre-existing conditions but the minute I got to the questions about the medical history of anybody who wasn't travelling with me but whom if they fell ill I would cancel my holiday, then the premiums started to sky rocket! It really annoyed me because, yes, she has been diagnosed with angina and, yes, she does conscientiously carry a spray everywhere with her to use if she ever develops chest pain and/or difficulty breathing. But in over 10 years she's never needed to use it - I have to regularly check the use by date and I'm ending up having to request a repeat prescription for it and then throwing the old one away with the seal intact. The fact that she's not had an angina attack in over 10 years cut no ice with Virgin whilst Staysure just asked if she'd been hospitalised in the last 2 years. So you might find that it will be expensive with them first off but they do seem to then disregard anything that hasn't been an issue in the previous 2 years.

Funny enough I have tried staysure and they won't cover all the conditions, what one Insurer cover another may not. Let us know how you get on

I will. It will be worth posting what various companies quote.

I tried to edit my post to say I have been promised a cortisone injection in September, so all being well I'll be back in Tunisia in October or November.

Aslemma and Sma
For some reason I did not see your last posts befire I posted.
Aslemma - I hope you get back to Tunisia soon. Sma- I think it might be the same for me- more expensive in the first couple of years.

Well I have quotes. Unfortunately for me- they have to take into account a detached retina that happened 3years ago come October as I have had clinic appointments within last 2 years. They also have to look at labyrinthitus which will never result in any problems whatsover that I would need insurance for. Finally my heart meds include one for lowering cholesterol ( but my levels are normal) and one for high blood pressure( which has always been normal) . By the time I was finished I was beginning to think its a wonder I am able to function with everything I have down on paper!!!
Staysure still came up with an ok quote for the two of us for Boston - £200. But they have in the quote they have just sent an annual multi trip quote- the basic is£325 and the fully comprehensive is £392. This is for 2 of us. I think that is as good as I would expect so early on after my stent.

To follow up- I got a discount code today. And now it costs £357 worldwide multi trip fully comprehensive.
So the trick is - get the quote but don't buy that day!!

Are you going for the yearly policy Fiona?

I've just done mine & Peter's for next year. Have a look at Puffin insurance they worked out very reasonable 👍

Thanks Glynis! I have taken Stay sure.

Fiona, I'm with Staysure and always found their quotes very reasonable - I've never needed to make a big claim with them but never had problems with smaller claims that don't seem to have resulted in big increases in the premiums.

It's reassuring to know

Oh well- its all change now. I got a call from Staysure to say that, despite the person on the other of the line supposedly checking, we were not covered for other half running marathons. I had to answer all the screening questions again. Unbelievably they were back on the phone the next day as they had forgotten to ask some specific questions. I decided after that call that I didn't want to continue with them as I was losing faith that any claim would go as smoothly as it had been with tesco.
So I used the 14 day cooling off period to cancel it. I am now with Voyager and its actually costing £35 less with a higher ceiling of payouts. They are not interested in my detached retina operation as it was over 2 years ago. Voyager also send you a copy of the questions asked and my answers. Also this was through my insurance broker and they take over any claims I make. We have them for house and car insurance as well. I am just hoping they don't have to call back now!

Staysure??? Not so sure. Have out been around for awhile as I had an accident resulting in broken collar bone and a variety of ribs. I told them and they said no problem. The broken items would not covered until the specialist gave me the all clear which he has now done. Changed their minds now and want money as I might break them again. Pointed out I don't make a habit of such things, they said when I informed them originally that it was not a problem. Several telephone conversations and no further forward. I refuse to pay extra - If it was within the cooling off I would have cancelled.

Oh no. Thats awful. You must be on a lot of pain.
It was when I was thinking of the initial call I made and all the things that they had to take into consideration- things tesco weren't bothered about . But then he wasn't interested in one of the medications I got after my ha. By the time I had finishe'd with the medical screening they had made me feel it is a miracle that I am still alive.
I was actually happy with the quote but after the other calls, I just didn't have faith in them. You have unfortunately proved me right.

I hope you win that battle. And that you begin to recover soon.

All this talk of Staysure made me try them again.
Nope, they won't insure me.
These companies make me so cross when they advertise that they'll cover pre-existing conditions and they don't..... Regardless of the cost of the premium.

Fwh, sorry to hear about your accident, glad to hear you're on the mend.

Sanji x

Sorry to hear about your accident, fwh, and what a runaround Staysure have given you, Fiona. I'm trying not to get anxious in advance of going to Cuba in just over 3 weeks time about having my travel insurance with Staysure! I think that the probable reason for them covering my pre-existing conditions at a vey reasonalbe cost is that I've been stable for a number of years now. Whether their attitude will change if that changes remains to be seen.