Travel Insurance for Pre Existing Conditions

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  Agarwal on 13/04/2019 - 18:32

  Have you tried Covermore? My mother had a similar issue and I seem to recall that may have been the one that covered her.

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    brad1-8tsi on 15/04/2019 - 09:24

    Don't do it.

    My Dad was insured with them. He'd been totally transparent with his prior medical issues and had a medical episode on a cruise (where he got excellent care). He passed away as a result of this medical episode.

    We made a claim against Covermore in 2016.
    They stuffed us about over a period of 12 months (maybe more), lost paperwork, had dad's GP, specialists, the cruise line and ourselves fill out the same form multiple times. They did everything possible to delay payment. In the end they denied the $18k claim on the grounds that it was related to the pre-existing condition (I really don't understand how it worked). In the end, my Sister and I were both beaten and gave up fighting and wore the cost.

    Basically, they are incompetent, don't keep good records in their document recording system and did their utmost not to pay the claim.

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  JimmyF on 13/04/2019 - 18:45

  This was to be my Retirement trip after 34 years of teaching, but at present it's not looking good.

  Doesn't mean you can't go, just means they don't cover you for THAT pre existing condition.

  I had a heart attack last November and had a stent inserted

  So assume that everything is sorted and you're all well again? What did the doctor say your risks are in the future?

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  wonderkathy on 13/04/2019 - 18:45

  Yes I have but they said "No." Thank you for your suggestion.

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    paraneoplastic on 13/04/2019 - 18:51

    stay compliant with the dual anti platelet meds (probably aspirin + clopidegral) , take your statin and if you're on a beta blocker, you should not need to worry.

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  salekhard on 13/04/2019 - 18:56

  Try asking on Australian Frequent Flyer Forums - they should have some good knowledge on this topic.

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  wonderkathy on 13/04/2019 - 18:57

  Thank you JimmyF. My cardiologist I consulted and I was told just to take my tablets. He also said on an earlier visit that I will live to a 100. However not being covered is a worry. But you have given me something to think about. Thank you for that.

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  bloom on 13/04/2019 - 19:03

  I used southern cross travel insurance, paid a bit more but was covered

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  wonderkathy on 13/04/2019 - 19:10

  Thank you paraneoplastic for your comment.

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  wonderkathy on 13/04/2019 - 19:13

  salekhard I will look at those forums. Thank you.

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  wonderkathy on 13/04/2019 - 19:17

  Oh thank you bloom I have not heard of southern cross travel insurance. I will look into it now.

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  chumlee on 13/04/2019 - 20:37

  Do you want travel insurance for your pre existing condition? If you are willing to exclude coverage for pre existing there are some companies that will take you - Google will bring up some

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  Elppa8 on 13/04/2019 - 20:42

  I did mine online through a CBA. credit card insurance, answered the pre existing conditions questions and it came back with a dollar figure.

  My stent was over a year back before the trip if that makes a difference.

  CBA has also changed their insurance provider since I used them for a recently trip.

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  Sheila Dealer on 13/04/2019 - 20:48

  +1

  Try Insure and Go. They cover you for quite a few pre existing conditions.

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  bdl on 13/04/2019 - 20:55

  Insure and Go or Southern Cross

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  Dancingprincess on 13/04/2019 - 22:00

  I have a different pre existing ondition and the only Insurer i. Could find to cover me is All Clear insurance. I also found that getting an annual policy worked out cheaper as I have a few trips coming up

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  Quantumcat on 14/04/2019 - 08:11

  +1

  Please use the "reply" button

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    wonderkathy on 19/04/2019 - 08:16

    Thank you all for your suggestions.
    Cover More, and Insure and Go would not insure me, but NIB would as would Southern Cross.
    Information that may assist others, NIB give a discount for members.

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      TheRealCher on 24/11/2019 - 16:49

      Just wanted to say thanks for posting this. Southern Cross were one of the few who would insure me without me needing to take extra insurance for my pre-existing conditions that don't affect my ability to travel and a visit to the emergency department that happened this year.
      I appreciate the advice here as clear advice was difficult to find.
      The thing I did notice was they made me take extra cover for the higher cost of the trip, but that was not related to the health issues.