Just wondering, does anyone know an insurance company that will cover you if a family member has a pre-existing medical condition/is elderly, but who don't charge the earth for it? I don't mean the people travelling, I mean family who are at home who have a pre-existing medical condition.
I usually book with getcover.ie - find them to be the cheapest but with good levels of cover. My dad is in his seventies, and as one would expect at that age, has a few health conditions.
My annual multi trip was due for renewal and I renewed as normal. As I have done before, due to my dad having a few medical conditions I phoned the screening line. Usually I have to pay an additionale €15-€20 premium based upon my dads health concerns, but I don't mind as I would rather pay it and have peace of mind.
However, I just got off the phone with the screening company. It appears that they won't cover me - not because of my dads health issues, but because he is 77 and they have set a limit at 76 as the maximum age of family members with a health condition.
This whole thing just seems bizarre to me - basically they are saying that they will only cover you for repatriation in the case of cancellation or curtailment due to a family member taking ill/dying if said family member is 76 or younger and had no pre-existing medical conditions at the time of purchasing the policy!
I can't get my head around it - basically if an elderly family member takes seriously ill or dies, if that person was over 76 and you did not declare it, you might not be covered!
I also find it bizarre that in effect insurance companies want you to take out insurance really only if you are very unlikely to need it. What I mean is, if you have an elderly relative, unless they are generally without any medical conditions (unlikely, lets be honest that by your 70's you will have no pre-existing medical conditions) then they charge you a premium to take out a policy - in some cases I have heard of the premium being in excess of €200. Most people take out insurance not only to cover belongings but for the peace of mind of knowing that if a loved one back home got sick you could return. If everyone is in perfect health, you wouldn't even be worried about such things! its only when you have older or infirm people in your family that you actually really need this cover.
So anyway, now I'm a bit stuck. Getcover said that they have never been made aware of this requirement by their underwriters, and this is why it is not even mentioned in their policy booklet. I am waiting for them to get back to me, but I have a feeling that if the underwriters allow me to proceed they will charge me a hefty premium to be covered.
So, back to my initial question - does anyone out there who has an elderly (77+ yrs old), ill, or incapacitated family member have a name of an insurance company who will provide cover for a reasonable price?