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Thread: Travel Insurance for us?

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    Default Travel Insurance for us?

    Hi all, just trying to book a holiday in the states and apparently I'm uninsurable..... they wont even insure me for anything different from my pre-existing condition, so if I get hit by a bus, tough bananas.

    Any of you have any tips on getting insurance in Canada for travelling abroad - any insurance companies you've had success with? I'm sure there are a lot sicker people than us who travel and get insurance. This is crazy. I'm a little p'd off right now about this. So insurance companies only take your money if they think they wont have to pay. Arrrghhh...

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    This is very odd.

    When I went to Europe in 2007 I had no problem getting insurance. I think all of the insurance cost about 75 dollars then. I am sure that I told them I have Wegs and they said it would not be a problem. I got the highest level of insurace possible. I went through a travel angency and I cannot remember which insurance company it was with. If you like I go down to that travel place and see if I can find out which insurance company it was.

    I would be pissed off too.
    Phil Berggren, dx 2003

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    It is difficult here in the UK too - if you can get insured the premium can be up to 5 times that of a healthy (non-WG) person. Many insurance companies will not touch me. Most of the on-line companies know about WG but very often it does not matter how you answer the series of WG questions the answer in NO - seems pointless them even asking the questions!

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    I have a couple chronic illnesses that increase my risks so always get the travel insurance when I book a trip. Usually I book with the agency that books the trips just for ease though their rates are much higher generally. If you book within 30 days of reservations their are no exclusions or waiting periods. I don't know about the private ones policies on prior illness but agree that one with such exclusion would be pointless. Better to just buy an accident coverage policy then.

    Suggestion: Call your credit card companies. Some of my cards offer some trip cancellation protection if you charge the trip with them. They might also have suggestions for trip insurance through their concierge department too.

    I also found a list of travel insurance companies through a search on internet but don[t remember their policy exclusions.

    I used to carry a medical evacuation policy too through an organization in USA that was only 75-90$ a year since a medical evacuation from any remote place like the bush in South Africa could actually cost a million dollars if you were in a critical accident and needed medical support on the flight home. I dropped it this year (went up to $109) since I don't anticipate being able to travel again to such exotic places for awhile if ever.

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    Thanks guys, who woulda thunk.... I was one of the healthier people I knew a year and a half ago, and now I'm uninsurable.

    We are using a gift certificate for our travels so no go on the credit card. We called Brian's existing insurance company and we are covered for accidents and the pre-existing condition as long as I've been stable for three months prior. So just need cancellation insurance and I think we can get that with the airline.

    I like the idea of the medical evacuation insurance... not that I can see myself needing anything like that with the current status, but it still seems appealing.

    Thanks for the feedback. I am still curious how people who are worse off than us can travel.

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    That is good to hear that you are covered under Brian's plan. Probably all you need then is a letter from your doc in Ed for the insurance.

    Now as far as stabel goes, what exactly to they mean? As far as I know no one is mentally stable on any dose of pred. LOL
    Phil Berggren, dx 2003

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    Quote Originally Posted by marta View Post
    We called Brian's existing insurance company and we are covered for accidents and the pre-existing condition as long as I've been stable for three months prior. .
    I suggest you get that in writing, along with a definition of "stable." Insurance companies will do anything they can to avoid paying.

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    It is very annoying as I am going to the US for 4 days soon and there is no way that I would have a relapse during that time, but I want insurance because I could be run over by a bus or something - which unrelated to wegs would be a massive cost!

    I haven't yet looked at insurance policies, but this could be useful: Travel Insurance: Annual single policy £15, family £35... About half way down it mentions insuring pre existing conditions. It is for UK people travelling abroad though, but there might be some cross over info for you guys in other countries.

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    What's odd to me is I've never had anyone ask me anything when buying travel insurance. Maybe it's because we get hammered on all other insurances in the US? I took insurance on my families Disney vacation in April and never even was asked. Though maybe I'd have not been covered? It was pricey insurance though, like $100 for a one week vacation.
    ~ Bob

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    I looked into this a few years ago when I was fit enough to travel without problems and I found that the specialist insurance companies for people with pre-existing conditions were quite reasonable. Do a Google search.

    None of the standard policies provided cover for anything like a reasonable price and the ones that did not ask awkward questions had it covered in the small print. A favourite clause seems to be one that requires you to declare any fact that may have a bearing on the insurance cover. This one lets them get away with anything they don't like!

    My last holidays were covered by an all inclusive policy which the holiday company agent assured me would provide cover, but I have serious doubts and I never got it in writing. At least in Europe, all members are covered for basic hospital care. It is just getting home that could be a problem because the airlines don't fly obviously sick people.
    Jack

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