Hi,
I have Annual Travel Insurance as I go backwards and forwards to Spain a lot. When I was diagnosed with PMR I phoned my insurance company (Fortis) and told them. Sorry they said, we won't cover you for that at all - goodbye! When it came up for renewal recently I was anxious to get good cover as we intend to travel further afield later this year. I found the Post Office would cover not only the PMR but also my very sad and wonky knee. I had to answer 5 medical questions and provided any medical problem I had was under control and being monitored regularly they were happy. Guess who the Post Office use? Fortis. Is it me :??
Lizzie Ellen
Lizzie Ellen - Unbelievable! Really made me chuckle out loud though. :lol: Just don't develop any more wonky bits, just in case.
I'll try not to!! :monster:
Ah but was the first one a 'Call Centre' or were both 'Call Centres' and the second one paid higher rates or was in the UK?
Either way Sex And Games for the Aged are quite good as well. :smooch:
Hi Lizzie
I am an Underwriting Manager for a very well known insurance company and I would strongly advise you to read your documents thoroughly when you get them. Normally no insurance company will cover any existing medical conditions so I would be very surprised if you are covered for the PMR. I would hate you to find out the hard way if you have to make a claim.
Hi Klosblue,
Thanks for your welcome advice. Your post made me go and have another look at the 5 questions used in their medical screening questionaire and I'm still quite sure that I can fulfill all their criteria. I made several phone calls to clarify what they meant on two of the questions before I took out their cover. I used to work in insurance so I read the small print, however, I will go and read it again! When I phoned, I specifically mentioned PMR and was told that provided I could answer 'no' to the 5 questions then I was covered. I tried very hard to find a way of not being accepted :!: - as you know, working in insurance you check things over and over again. My Grandson has a rare genetic condion, however there are two insurance companies who will cover him and many who won't. Its a minefield isn't it? Off now to re-read the (very) small print and once again, thanks for the advice.
Regards Lizzie Ellen
This is only half a reply since I don't have all the relevant details available as I write. However, there are companies which specialise in covering people with pre-existing medical conditions. Their rates are not significantly higher than those for \"normal\" policies - and many of those companies will try to wriggle out of paying up on the grounds \"you didn't tell us...\"! Even if the thing you didn't mention was having been to the doctor for antibiotics for a chest infection and the claim is for breaking a leg skating!
I found the one I use for my husband's pre-existing DVT and continuing use of Warfarin by googling something like \"medical insurance pre-existing conditions\" and then rang a few. We had an annual policy for both of us for the whole world (including USA and Japan) for about £160. These companies know about the diseases and the relevant risks and in my experience the call handlers are very good about checking with you.
Interestingly - we now spend most of our time in Italy so a British insurance isn't any use as they can only cover a trip originating in the UK and we purchased the equivalent of medical insurance here recently for a business trip for him to the USA. No questions about pre-existing medical conditions - and I questioned her very closely about that! She'd never come across it before and was amazed. We suspect yet another attack of rip-off Britain. Remember - you possibly don't need cover for your luggage etc as it may well be part of your house insurance (but check). And look carefully at the small print about the cancellation stuff - there are an awful lot of things that don't get included so there are some things that aren't worth paying out for in the first place.