Travel Insurance for diabetics

[Tezzz]

I tried to renew my annual travel insurance with Insure and Go this afternoon.

The old premium was ?54 and they want another ?38 after I rang to say I was Type 2 diabetic. 😡

Does anyone know a diabetic friendly travel insurance company?

 

[kojack]

I use Fortis, but as I am well over 65, they now restrict me to single trip cover.

 

[aymes]

I use the insurance through the DUK site

 

[Einstein]

I use the standard cover from Natwest on their gold account - a whole load of insurances including travel and mobile etc.

Seems to be quite effective and no loading for diabetes.

Otherwise, try Diabetes UK insurance services. Weren't too bad.

 

[Pigeon]

I found the Diabetes UK quote to be quite expensive, but a company called Karma was good. They have a list of conditions (including diabetes) that if you have it and it's well controlled and you've not been in hospital because of it then there's no increase in premium. Might be worth a try.

 

[sofaraway]

I used the company my travel agent uses because they were giving it away free when i booked. I used their online facility to inform them of my diabetes and had to pay only ?9 extra to cover my diabetes- which I thought was really good, as that includes being on insulin and having an admission to hospital in the last year. With this company type 2's on no medication were automatically covered with no extra premium.

 

[mikep1979]

i have an insurance cover through work that covers me for as many trips as i make in the year for work or pleasure and it costs me nothing. work pay no extra premiums for me being type 1 and i think it cost the ?50 for the year. not sure who they use tho.

 

[Einstein]

I found the Diabetes UK quote to be quite expensive, but a company called Karma was good. They have a list of conditions (including diabetes) that if you have it and it's well controlled and you've not been in hospital because of it then there's no increase in premium. Might be worth a try.

The issue with travel insurance can be excesses and how they are paid/claimed and worse still claims and the settlement.

Many of the cheaper policies are cheap until you need to claim, at which point the excess makes the policy more expensive. Many insurers expect you to pay in full locally, then claim back once you're in the UK.

I really don't know how this works if the claim is a big one, if this is settled directly with the hospital/doctor, but it could blow a temporary hole in any holiday spends you had planned.

Of course we hope never to use the insurance, I feel though so few of us ever look past the premium and of course in our case will they cover diabetes. If the number looks ok and the answer is yes, we go with them, without questions on excess, what exchange rate is used, who pays and when.

At the time you need to claim on your policy its not a good time to discover you have ?20,000 of medical claims, ?300 left on your credit card, ?500 in cash and your medical cover won't settle with the hospital or they won't accept your insurer settling with them.

Why does my mind always look for the gotcha in everything?

The old line of if a deal looks too good to be true, it more often than not probably is - if its really a superb deal, PM me, but don't tell anyone else

 

[hellbell84]

i used karma as well, i used one through the DUK website last year and it was ?60 + becuase i went to USA

but with Karma, it was a lot cheaper, worth a shot

x

 

[Emmal31]

I just used columbas direct on my honeymoon they charged me ?3.00 extra cause I'm diabetic I didn't think that was too bad so under ?10.00 in total so i was pleased.Not sure whether they do annual insurance though but it's worth checking it out.