Travel Insurance - Pre-Exisiting Condition

skywanderer

A family friend will travel to Canada later this month, she is in her late 60's and has a preexisting Medical condition (Diabetes). She is traveling for to meet family but asked me to find insurance online for her 3 week stay but I'm just concerned that if anything happened that insurance would use it as an excuse to avoid paying out.

She takes insulin tablets so will probably be fine but its a case of safe than sorry I think.

ScouseMouse

I am the same but I have it quite bad.

I insured worldwide with the AA on 6179950. They don't cover pre-existing conditions on THEIR basic policy, but refer you to a partner who then goes through this and sell you a top up policy to include them. So in effect, you are buying two policies.

Give them a call.

skywanderer

ScouseMouse wrote: »

I am the same but I have it quite bad.

I insured worldwide with the AA on 6179950. They don't cover pre-existing conditions on THEIR basic policy, but refer you to a partner who then goes through this and sell you a top up policy to include them. So in effect, you are buying two policies.

Give them a call.

Thanks for that I'll give them a call in the morning, How much did you pay altogether for both policies?

uck51js9zml2yt

I used cover4u. Did it all online for a heart condition

ScouseMouse

Afraid I cannot pin it down. I bought a family policy for 4. Then they transferred me to their partner and with a long list of ailments, (which I wont list here), I think I paid 140 euro on top. That was for worldwide multi-trip.

If yours involves a single trip, it should be substantially cheaper.

I know tablet treated diabetes is not the worst thing to have, but you really don't want to take any chances with insurance. There are some companies that look for a way to avoid paying, don't give anyone the excuse.

Let us know how you get on.

ger664

Try insureandgo. They do an online medical screen and quote there and then

Poochie05

Also there is a question about medical conditions for the Canadian visa waiver eTA (if she needs one) so it is always good to be able to say you have X, but you have a travel insurance policy that covers you for this condition

Speedwell

If she's taking tablets, they're not insulin. Insulin would be injected. Not to be nitpicky, but it often does make a difference (it does if you are, say, applying for a driving license; you'd need to get a doctor's note if you have insulin-dependent diabetes). Non-insulin-dependent diabetes is far less likely to result in dangerous low blood sugar episodes that might cause accidents or require hospitalisation.

Gael23

Declaring it will probably cost her more but it's not worth the risk. If something goes wrong and the insurance refuses to pay, it could cost thousands.

skywanderer

ger664 wrote: »

Try insureandgo. They do an online medical screen and quote there and then

Thanks for this we went with them and declared her medical conditions, €80.98 for 22 days cover on the bronze policy.