Travel Insurance so high

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User

Posted 25 Jan 2020 at 16:47

As regards using your Bank for travel insurance, account holders should ensure they are young enough to be covered. I had an account with Nationwide some years ago and told them I was going to take my business elsewhere. They tried to persuade me to stay with them saying I was getting free travel insurance cover. I pointed out that I was beyond the age (70) so was not covered to which they agreed on checking. I see they will now cover 70+ people but at additional cost. So I suggest anybody who considers relying on their bank check they are not excluded through age or need cover at extra cost.

Barry

User

Posted 02 Feb 2020 at 13:03

Some really interesting stuff on here.

I currently have an annual policy that I have held for 35 years! I claimed twice last year because of PCa and they were brilliant, paying out both times,no quibble, in fact even suggesting I claim for stuff that I had not thought about. They have now however upped my excess from £40 pp to £200 pp and I had to pay a £75 surcharge for 12 months, reviewable. In addition they are not covering my PCa and they won’t cover my gallbladder problems. I’m not too worried about this as at present I am in remission and have had only an RP, no chemo or radio. In addition my gallbladder will cease to exist next week!

It is however a pain to constantly have to ring them up every time I have a medical development. I am considering a future move to another company that costs a lot more per year but is not concerned with existing conditions. They operate on the principle that they will cover you unless the Dr tells you that you cannot travel, or that you have less than six months to live.

Edited by member 02 Feb 2020 at 13:09 | Reason: Not specified

User

Posted 02 Feb 2020 at 14:08

Hi Lyn,

Just about to seek holiday insurance cover and slightly confused by your post stating that it is a mistake to say you are terminally ill when applying to insurance company. If such as myself you have APC is not the medical prognosis terminal albeit you hope to avoid the grim reaper for as long as possible by the various treatments ?

Or do you mean you only declare your condition terminal if doctors told you only 6 or 12 months left to live because you have exhausted the treatment options?

Regards

Norm

User

Posted 02 Feb 2020 at 15:17

You are only terminally ill if the doctors have stopped all treatment apart from those to keep you comfortable, e.g. pain relief or continuing HT to minimise side effects. As long as you are having active treatment, you are incurable but not terminal.

"Life can only be understood backwards; but it must be lived forwards." Soren Kierkegaard

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