thank you for your help. im trying to find a company to use

Plenty of recommendations on Page 1 of this topic.

thanks xx

I was looking for travel insurance this weekend for myself and my wife for our holiday to Ibiza in May. As I have a number of health problems and we've booked everything separately we also needed end supplier failure insurance anx to declare pre-existing medical conditions.
I got a few quotes and the best was from Insure and Go at £96, but before buying I decided to call them to double check the policy was suitable, and the woman I spoke to confirmed that it was, but I might want to try comparethemarket.com to get a discount (which was odd - a company trying to get me to pay Less!)
So, I did a comparison and the same policy from insure and go (same excess, levels of cover,medical conditions covered etc) came in at £27.
So, it just goes to show that you should shop around and give the comparison sites a check too.

does m and s travel insurance europe cover cape verde please

Marks and Spencer have a drop down box so you select the country you want. It depends on the company which policy they would cover it under.

Hi

Just wondering how much generally does it put insurance payments up by if your are taking blood pressure tablets and statins for cholesterol ? Can they refuse to insure you even?

Taking one medication for high bp added nothing to our policy when declared - not sure whether multiple medication/statins woiuld be insurable on normal travel policies - may have to look for specialist cover.

We had to pay extra premiums when we declared we were taking more than one tablet for these conditions, however it wasn't very much, and we didn't have to change our insurance company

Hope this helps.

thanks for your replies. Will check policies and contact them if need be.

It is best to declare ANY pre-existing condition - otherwise the insurers have "wriggle room" if you make almost any claim!!!

brewerdave wrote:

It is best to declare ANY pre-existing condition - otherwise the insurers have "wriggle room" if you make almost any claim!!!

Definitely!

I'm on Statins and first declared it last year. We're with Nationwide and qualify for free travel insurance. For the year it cost me £30 to cover cholesterol. Recently it was found that hubby has high blood pressure and type 2 diabetes so when our policy was due last month I declared his condition also, this time it cost £100 for the year, which I don't think is too bad.

I rang my insurance company last month after i had booked a holiday to let them know I had to attend an A&E as I thought I had a detached retina,However it was only a PVD and I didnt realise this hadnt been documented at my GPs which I wouldnt have informed the insurance if I had known this at the time.
When i rang to inform them the woman I spoke to proceeded to go through all the questions again even though I told her I had declared everything when I took out the policy last August.
She still insisted on asking questions and added £40 to my policy!
I thought this was because of the A&E visit but when I phoned later I discovered it was for saying yes to the question,had i ever had treatment for my back?
I had 30 years ago!so it is best to declare every single thing,thats if you can remember.
This is with Staysure who I will stay clear of when my policy need renewing.
I will go back to Insure and Go.

It is a requirement that you disclose long term medication. Daft as it sounds the medical profession advise that if everybody over 50 took Statins it would reduce heart disease/attacks the insurance companies think that it can be an excuse to increase premiums. When I was first diagnosed as Diabetic then I had to disclose it. The fact it was diet controlled (no medication) increased my premiums. Diabetes UK actually had the highest premiums for annual holiday insurance - I used the insurance topic on HT to find a better deal.

High blood pressure or any other condition if not disclosed simply gives the insurers a reason not to pay out even if the condition has no bearing on the claim.

fwh

We are both on statins although we have never had high cholesterol.
Its a preventative measure and I only take 10mgs twice a week but still get charged the same excess as my husband who takes 20mgs every night!
It really is a minefield but I have met many folk who havent even got any insurance

Just went online and did a search using Money Supermarket and putting my conditions in and got a qoute of £37 for 2 weeks in Thailand. Breakdown stated an extra charge of £2.50 : Looks like I was flapping for nothing cheers

That's not too bad at all kilgorek

Glynis HT Admin wrote:

brewerdave wrote:

It is best to declare ANY pre-existing condition - otherwise the insurers have "wriggle room" if you make almost any claim!!!

Definitely!

I'm on Statins and first declared it last year. We're with Nationwide and qualify for free travel insurance. For the year it cost me £30 to cover cholesterol. Recently it was found that hubby has high blood pressure and type 2 diabetes so when our policy was due last month I declared his condition also, this time it cost £100 for the year, which I don't think is too bad.

Is this the free insurance you get with Flexaccount? I've just relied on that when going to Cyprus last couple of years although not had to resort to it yet. So they will charge extra £30-100 for declared conditions?

kilgoreck wrote:

Glynis HT Admin wrote:

brewerdave wrote:

It is best to declare ANY pre-existing condition - otherwise the insurers have "wriggle room" if you make almost any claim!!!

Definitely!

I'm on Statins and first declared it last year. We're with Nationwide and qualify for free travel insurance. For the year it cost me £30 to cover cholesterol. Recently it was found that hubby has high blood pressure and type 2 diabetes so when our policy was due last month I declared his condition also, this time it cost £100 for the year, which I don't think is too bad.

Is this the free insurance you get with Flexaccount? I've just relied on that when going to Cyprus last couple of years although not had to resort to it yet. So they will charge extra £30-100 for declared conditions?

All insurers charge extra to cover pre exisiting conditions, although some conditions can be covered at no extra charge. Whether they charge or not, they need to be told. Not declaring any pre exisiting conditions is a reciple for disaster when it comes to trying to claim.