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Holiday insurance

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Carolg

Well-Known Member
Relationship to Diabetes
Type 2
Re EH1C form
I've applied for this as I'm going to Gran Canaria on holiday.ive been in touch with bank as I have basic travel insurance through my account. To cover pre existing conditions including diabetes I will have to pay £158 extra for a year, as the insurance doesn't cover these. I'm not sure if this is triple dipping on the insurance front. Can anyone give any advice as I am not a frequent holiday abroad person. Thanks
 
Carolg said:
Re EH1C form
I've applied for this as I'm going to Gran Canaria on holiday.ive been in touch with bank as I have basic travel insurance through my account. To cover pre existing conditions including diabetes I will have to pay £158 extra for a year, as the insurance doesn't cover these. I'm not sure if this is triple dipping on the insurance front. Can anyone give any advice as I am not a frequent holiday abroad person. Thanks
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That's a high additional payment Carol but the cover you get from your bank is often the basic cover minus pre-existing conditions which they then screen for. It's a lot more than I paid and I'm covering some hefty medical conditions for a full year of cover with unlimited trips in the EU. However, your policy will be invalid if you don't declare the health issues unless you opt not to have them covered...but you'd still need to tell them.

You could get much cheaper depending on what you're covering. I use World First which is very thorough in medical screening but much cheaper than most. However, you'd be required to use your EHIC card as a first line medical cover with them. I had to do that when I had a fall as they insisted I use a public hospital.

https://www.world-first.co.uk/


You might be better shopping around and get an annual cover from another company. DUK may have Companies they recommend.
 
Thanks amigo. I will try them as well. The company cover all pre existing conditions with that premium, but they are not all heavy duty ones
 
Hi

I have insurance through my bank - but like you when ringing them they gave me a huge cost to cover my diabetes. So I've found just searching around for single trip insurances works out better, I paid in the region of £7. So unless you go away a lot it might be worth just looking for single trips cover? I also have to state having had skin cancer on mine which puts premium up massively so you may find cheaper 🙂
 
grainger said:
Hi

I have insurance through my bank - but like you when ringing them they gave me a huge cost to cover my diabetes. So I've found just searching around for single trip insurances works out better, I paid in the region of £7. So unless you go away a lot it might be worth just looking for single trips cover? I also have to state having had skin cancer on mine which puts premium up massively so you may find cheaper 🙂
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I looked for single trip with the company amigo used and struggled to get it to accept more than one condition, so I will do this by phone tomorrow. Not worth having full year as I am a stay at home. Thanks for your help grainger . I got changed moles removed years ago, but not skin cancer, but still am a factor 50 gal, with laughed at for cover ups, parasols, and floppy hat that gets floppier by the day, and last time, got ceremonial drowning on last day in pool. I'm sure it would have done a few more years
 
You (and the rest of us) DO need both the EHIC and insurance Carol. Yes - if we need medical treatment on hols - it certainly will be an emergency - we're not Health Tourists LOL

However if it was something dire that's either going to keep you in hospital a while, so they want to medically repatriate you or eg you do your knee in and they strap your leg up from foot to thigh as they don't want you to use it or even bend it for a week - you suddenly realise you can't sit in a plane seat (even if you could get up the steps!) unless you have an aisle seat and block the aisle so they can't get their flippin trolley along it. So you have to ring the insurance co, and they have to arrange for you to return home on a different plane on which you can have three seats to yourself.

Neither of those journeys is covered by the EHIC. Nor should you poke your parasol in someone's eye - or lose your camera etc.
 
Carolg said:
I looked for single trip with the company amigo used and struggled to get it to accept more than one condition, so I will do this by phone tomorrow. Not worth having full year as I am a stay at home. Thanks for your help grainger . I got changed moles removed years ago, but not skin cancer, but still am a factor 50 gal, with laughed at for cover ups, parasols, and floppy hat that gets floppier by the day, and last time, got ceremonial drowning on last day in pool. I'm sure it would have done a few more years
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Carol, best to ring rather than online. They're really good with medical screening and I was impressed with the extent of the knowledge. I've had malignant melanoma skin cancer and even that didn't push it up much. Only time it's an issue is if you've got unresolved or undiagnosed health issues and then most insurance companies don't want to know. Good luck!
 
trophywench said:
You (and the rest of us) DO need both the EHIC and insurance Carol. Yes - if we need medical treatment on hols - it certainly will be an emergency - we're not Health Tourists LOL

However if it was something dire that's either going to keep you in hospital a while, so they want to medically repatriate you or eg you do your knee in and they strap your leg up from foot to thigh as they don't want you to use it or even bend it for a week - you suddenly realise you can't sit in a plane seat (even if you could get up the steps!) unless you have an aisle seat and block the aisle so they can't get their flippin trolley along it. So you have to ring the insurance co, and they have to arrange for you to return home on a different plane on which you can have three seats to yourself.

Neither of those journeys is covered by the EHIC. Nor should you poke your parasol in someone's eye - or lose your camera etc.
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Thanks Jenny. You paint a lovely picture.insurance it is. Thanks everyone
 
You will most likely gather it was my knee LOL - and blooming painful it was too. My demeanor was not assisted by the insurers, or the airline we were transferred onto - but that's a whole other story and Hey! - I'm still here!

Regrettably - there are some exceedingly thick claims handlers employed by some insurers.

Due to a completely stupid thing that I did before travelling to Australia for 3 weeks - I was going to run out of Novorapid before we came home. NP - went to a GP, got a prescription, went to the pharmacy and got it. Got receipts, no panic and stuck the claim in when we got home. Emergency Medical Expenses - right?

Got a phone call from insurers to say it wasn't covered. Pardon? No no, the baggage section doesn't cover this. Fair enough said I - but it isn't a 'baggage' claim! Well says the pillock at the other end - it obviously wasn't an emergency, since you sorted it out.

Really? So you mean running out of something I would have dropped dead within approx. 24 hours of being without, so had to replace as soon as possible - doesn't class as an emergency?

Oh - well I wasn't to know your life depended on it, was I?

Well you do now and I'm very pleased to have been able to train you - but I may have to write to your employer and suggest that THEY ought to do it before they let you loose - not your clients!
 
Will try Emma. Thanks
 
Got insurance through link Emma, bit of a round and about faff but got there. They didn't take off the 10% for online booking but cost more than that to phone again lol. Thanks again. Carol
 
I was lucky with mine, I have my travel insurance through my bank I rang them after I was diagnosed and she said I would still be covered and made a note on my policy that they are aware I am diabetic.
 
@Carolg I'm glad you got your travel insurance sorted! The number for them is a freephone number so you might want to give them a ring about the 10% discount. If you have any problems send me a DM and I'll have a look into it.

Enjoy your holidays! 😎
 
Emma Diabetes UK said:
@Carolg I'm glad you got your travel insurance sorted! The number for them is a freephone number so you might want to give them a ring about the 10% discount. If you have any problems send me a DM and I'll have a look into it.

Enjoy your holidays! 😎
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Ok. Will do, and thanks
 
Emma Diabetes UK said:
@Carolg I'm glad you got your travel insurance sorted! The number for them is a freephone number so you might want to give them a ring about the 10% discount. If you have any problems send me a DM and I'll have a look into it.

Enjoy your holidays! 😎
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Hi Emma. Have given them a ring, and the quote shown online is with the 10%discount .if ordered over the phone it would have been a few pounds more. Still good value at £32.51 and comparable with the company amigo has used. The excess was less although the premium was £1 odds more for the single trip. Thanks again
 
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