N504 35 Nights INSURANCE

[Catz24031]

Been trying to get quotes for my husband aged 75 when we travel with a declared heart medical condition. Getting prices for this trip at £1300+.

Is this the normal price to expect?

 

[kalos]

7 minutes ago, Catz24031 said:

Been trying to get quotes for my husband aged 75 when we travel with a declared heart medical condition. Getting prices for this trip at £1300+.

Is this the normal price to expect?

 

 

I had the same problem declaring my heart issues, lots wanted those prices ,some just 

said sorry but we cannot insure you for those conditions .

In the end we tried a few away from the comparison sites and was surprised when 

Stay Sure quoted me just below £780 !   

My advice would be ring around as some of the online drop down options do not always 

give a true picture of your conditions. 

[Guest ccpm]

I have just booked 2 x 35 nighters and both insured with Staysure with multiple very serious health conditions all for under £1000 per annual policy

[lindyloo22]

You could try allclear have always found them good ring them rather then go on their web site.

[Eglesbrech]

As an aside be aware that some home insurance policies don’t cover an absence of over 30 days. You can get round it by having a family member stay for a night, clear the post etc. Worth checking your policy.

[NavyPanda]

There is an article on Money Saving Expert which you may find useful if you haven't already seen it.

 

https://www.moneysavingexpert.com/insurance/over65s-travel-insurance/

 

It may be worth trying to get quotes for annual travel insurance (but make sure that the maximum trip length is longer than 35 nights) as strangely this can sometimes be cheaper than just a single trip policy!

 

Another option (noted in the article) is that you can get a packaged bank account for a monthly fee (no more than £15/month) which includes worldwide travel insurance for multiple trips. However your husband's pre-existing condition will likely result in an additional premium, you will have to phone to find out how much this would be. However, again, it may be cheaper than a single trip policy when you do all the sums. 

 

Co-op's £15/month bank account would probably be the most straight forward for you. The maximum age is the day before the 80th birthday and maximum trip length is 45 days by default.

 

http://www.co-operativebank.co.uk/currentaccounts/everydayextra

 

Policy document is here https://www.co-operativebank.co.uk/assets/pdf/bank/currentaccounts/everyday-extra/travel-insurance-policy-summary-and-policy-document.pdf  Page 5 has the details of the number to call to get an idea of pricing for the pre-existing medical condition. 

 

Nationwide also do a bank account with travel insurance. However you have to pay £65 per person for over 70s and an additional fee for having a trip longer than 31 days. Still worth checking if you get an astronomical price from Co-op as it may still work out cheaper. 

 

https://www.nationwide.co.uk/current-accounts/flexplus/

 

More details here https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance/ you can get a quote for medical conditions online or by phone. Details at the bottom of the page. 

 

Worth noting that the packaged bank account would cover both you and your husband. However the maximum cancellation is 'only' £5,000 per person from both.  Also, you don't have to use it as your main bank account, just make sure to pay in enough money each month to cover the monthly fee.

Edited June 15, 2023 by NavyPanda

[9265359]

3 hours ago, Eglesbrech said:

As an aside be aware that some home insurance policies don’t cover an absence of over 30 days.

Most will just charge a small amount to extend the cover for longer absences. 
 

3 hours ago, Eglesbrech said:

You can get round it by having a family member stay for a night, clear the post etc. Worth checking your policy.

I would be reading the policy *very* carefully to ensure that they accepted that someone who didn’t normally reside there staying for such a short period qualified. 

[Denarius]

3 hours ago, lindyloo22 said:

You could try allclear have always found them good ring them rather then go on their web site.

AllClear are generally good where existing health conditions are concerned as this is their speciality.

[Advanced Diver]

5 hours ago, NavyPanda said:

There is an article on Money Saving Expert which you may find useful if you haven't already seen it.

 

https://www.moneysavingexpert.com/insurance/over65s-travel-insurance/

 

It may be worth trying to get quotes for annual travel insurance (but make sure that the maximum trip length is longer than 35 nights) as strangely this can sometimes be cheaper than just a single trip policy!

 

Another option (noted in the article) is that you can get a packaged bank account for a monthly fee (no more than £15/month) which includes worldwide travel insurance for multiple trips. However your husband's pre-existing condition will likely result in an additional premium, you will have to phone to find out how much this would be. However, again, it may be cheaper than a single trip policy when you do all the sums. 

 

Co-op's £15/month bank account would probably be the most straight forward for you. The maximum age is the day before the 80th birthday and maximum trip length is 45 days by default.

 

http://www.co-operativebank.co.uk/currentaccounts/everydayextra

 

Policy document is here https://www.co-operativebank.co.uk/assets/pdf/bank/currentaccounts/everyday-extra/travel-insurance-policy-summary-and-policy-document.pdf  Page 5 has the details of the number to call to get an idea of pricing for the pre-existing medical condition. 

 

Nationwide also do a bank account with travel insurance. However you have to pay £65 per person for over 70s and an additional fee for having a trip longer than 31 days. Still worth checking if you get an astronomical price from Co-op as it may still work out cheaper. 

 

https://www.nationwide.co.uk/current-accounts/flexplus/

 

More details here https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance/ you can get a quote for medical conditions online or by phone. Details at the bottom of the page. 

 

Worth noting that the packaged bank account would cover both you and your husband. However the maximum cancellation is 'only' £5,000 per person from both.  Also, you don't have to use it as your main bank account, just make sure to pay in enough money each month to cover the monthly fee.

A complete aside, but the co-op has some really good terms. Most standard travel insurance has a strict limit for depth when diving, and I usually have to take out additional cover with a separate company specifically for the diving. The co-op policy actually covers me to the depth of my qualification (i.e. 50m). I might just have to check this out properly when our existing annual travel policy expires.

[david63]

An annual policy with LV= is worth looking at. Both myself and my wife have declarable health conditions including heart conditions and piecewise nobody else could beat them - and they are very good when/if you have to make a claim - I recently had a claim paid into my bank within 10 days of submitting it online.

[9265359]

20 hours ago, Eglesbrech said:

As an aside be aware that some home insurance policies don’t cover an absence of over 30 days. You can get round it by having a family member stay for a night, clear the post etc. Worth checking your policy.

 

Just checked my policy from aegeas (which allows stays up to 60 days away), and this is the relevant extract with my bolding - 

 

"Unoccupied - By unoccupied we mean that your home hasn't been or won't be lived in for more than 60 days in a row, or doesn't contain enough furniture to be lived in normally. Regular visits to the home, or occasional overnight stays, would not count as your home being lived in or as a break in this period"

 

So do check your policy.

[Catz24031]

10 hours ago, 9265359 said:

 

Just checked my policy from aegeas (which allows stays up to 60 days away), and this is the relevant extract with my bolding - 

 

"Unoccupied - By unoccupied we mean that your home hasn't been or won't be lived in for more than 60 days in a row, or doesn't contain enough furniture to be lived in normally. Regular visits to the home, or occasional overnight stays, would not count as your home being lived in or as a break in this period"

 

So do check your policy.

We are okay as have son living at home.

 

The problem is the travel insurance seems pretty excessive compared to our 2 week trip to the Caribbean this March, being £1300+.

[Megabear2]

7 hours ago, Catz24031 said:

We are okay as have son living at home.

 

The problem is the travel insurance seems pretty excessive compared to our 2 week trip to the Caribbean this March, being £1300+.

Is the £1300 for just your husband and is it worldwide annual policy?  The quote will be dependent on the exact heart condition as every one is treated as a separate risk and various combinations of medication for blood pressure, cholesterol etc will impact the pricing.

 

By that as an example, I mean it is impossible to compare the cost for example of a 75 year old who has had a heart bypass to a 75 year old diagnosed with a myocardial bridge. Staysure, for instance, quote £1379.53 for their top Signature cover for the condition myocardial bridging but it rises to £1489.70 for the bypass patient. (I used these two conditions as although younger my husband and his friend have these two health problems and they are only a month apart in age - basically I did quotes making their age 75 rather than their current 66 years).  Apart from the heart condition I did not declare any other medical condition in these two examples.  The cost at the real age of 66 would be £1032.40 for the bypass patient and £981.84 for the myocardial bridge.  As you can see from this the age related cost adds a considerable uplift in premium.

 

You can see from this example it is virtually impossible to compare your husband's quotes with another individual as they would have to have the exact identical medical condition.  

 

Your best bet is to try all the companies mentioned above using the identical conditions and answering any questions in the exact way.  Although a lengthy exercise telephone quotes can change prices but please be aware companies like Staysure and Avanti will actually uplift the premium for policies organised over the telephone rather than online.

 

Good luck in finding what you need at a reasonable price.

 

 

[Guest ccpm]

On 6/15/2023 at 6:55 PM, 9265359 said:

Most will just charge a small amount to extend the cover for longer absences. 
 

I would be reading the policy *very* carefully to ensure that they accepted that someone who didn’t normally reside there staying for such a short period qualified. 

I an insured with the Post Office for home insurance. Rang them paid a small extra premium for the 5 extra days and had to send evidence of my Alarm and CCTV monitoring system.

[Chrisdriving]

On 6/15/2023 at 3:48 PM, Eglesbrech said:

As an aside be aware that some home insurance policies don’t cover an absence of over 30 days. You can get round it by having a family member stay for a night, clear the post etc. Worth checking your policy.

Who from the insurance company is counting?

if you have a problem, Uncle John was there couple nights, zero way of proving.

Edited June 24, 2023 by Chrisdriving

[9265359]

4 minutes ago, Chrisdriving said:

Who from the insurance company is counting?

if you have a problem, Uncle John was there couple nights, zero way of proving.

 Who is counting - well the insurance company when you make a claim.

 

As for making false claims - well the insurance company will simply tell you to ‘go away’, refuse the claim - they are not stupid. Then they will cancel the policy and leave you to sue them if you disagree (and the fun of having a cancelled policy and not being able to get home insurance anymore).

 

Plus as I pointed out, insurance companies generally don’t count someone popping in to stay for a night or two, presumably because they got fed up with people trying to deceive them like this.

 

And so is it it worth that to save £10 or £20 to extend the policy for a few nights?

[tring]

On 6/15/2023 at 6:55 PM, 9265359 said:

Most will just charge a small amount to extend the cover for longer absences. 
 

I would be reading the policy *very* carefully to ensure that they accepted that someone who didn’t normally reside there staying for such a short period qualified. 

 

Yes, our current house insurance will not accept someone just staying in the house for a short time, even more than one night, it does allow 60 days away though. 

 

Edited June 24, 2023 by tring

[pete14]

On 6/24/2023 at 1:43 PM, Chrisdriving said:

Who from the insurance company is counting?

if you have a problem, Uncle John was there couple nights, zero way of proving.

Maybe best to have home insurance and travel insurance for long holidays from companies using different underwriters so a cross check is more difficult in a claim situation. I presume their computers talk to each other though. I made a valid medical claim for a cancelled cruise last year and before making a payment covering the full cost, the claims company checked very thoroughly. 

[Catz24031]

Thank you to the helpful replies regarding my Travel Insurance query.

 

BUT PLEASE, to the other replies, I DID NOT MENTION ANYTHING REGARDING HOME INSURANCE.    MY QUERY WAS THE ENORMOUS AMOUNT QUOTED FOR HEALTH TRAVEL INSURANCE.

 

[Cruisemeister2002]

On 6/15/2023 at 1:25 PM, Catz24031 said:

Been trying to get quotes for my husband aged 75 when we travel with a declared heart medical condition. Getting prices for this trip at £1300+.

Is this the normal price to expect?

 

Went on a 35 night cruise to Caribbean and US in March this year. I was waiting for Radiotherapy on my prostate cancer, The cheapest I could get was £1800 through the Post Office and it was a bit no frills as well. I am 72,

[terrierjohn]

5 hours ago, Catz24031 said:

Thank you to the helpful replies regarding my Travel Insurance query.

 

BUT PLEASE, to the other replies, I DID NOT MENTION ANYTHING REGARDING HOME INSURANCE.    MY QUERY WAS THE ENORMOUS AMOUNT QUOTED FOR HEALTH TRAVEL INSURANCE.

 

Have you tried Free Spirit from P J Hayman, they specialise in risky medical conditions, but even they will probably be over £1000 for a 14 night cruise for a couple.

[Megabear2]

5 hours ago, Catz24031 said:

Thank you to the helpful replies regarding my Travel Insurance query.

 

BUT PLEASE, to the other replies, I DID NOT MENTION ANYTHING REGARDING HOME INSURANCE.    MY QUERY WAS THE ENORMOUS AMOUNT QUOTED FOR HEALTH TRAVEL INSURANCE.

 

Have you had any luck sourcing a policy st a cost acceptable to you?

[Alvor]

Eye watering some of these travel quotes. Currently on a basic annual multi-trip Europe + cruise cover with Avanti my COPD declared, wife no declared conditions cost £190. To add in a 35day Caribbean cruise today cost a further £527.

Staysure total annual multi trip with caribbean cruise £830.(as with Avanti giving 20% discount)                     All Clear/ Post Office / Holiday Extras all just over £1k

 

Fingers crossed prices (unlike car insurance) remain similar for next year