The mention of someone in another thread having travel insurance for £80 made me wonder how much people generally pay.
I realise that may have been a couple of weeks rather than a year but I've just had a new quote for joint worldwide annual cover with cruise for £1500 - and while we have both passed a "magic age" and have a number of modest issues, nothing is life threatening and most of them are all well- manager by drugs, diet etc. Neither of us has ever had heart attacks, strokes, cancer, limbs rebuilt, or even a day in hospital in our whole lives.
Does everyone bother with travel insurance for foreign trips, and does anyone else pay that sort of sum?
Is everyone totally honest about declaring every condition and every visit to the doctor?
I'm not going to alter what we do I just wonder what people who have proper life changing conditions might have to pay.
Last edited by: smokie on Wed 23 Sep 26 at 08:45
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The last few cruises I/we did, the cruise ship company wanted proof of adequate medical insurance.
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We've had an annual policy with LV for Europe (inc Canaries) with no add ons for anything beyond usual swimming and walking for around £70.
In the last few years Mrs B has racked up a range of issues including arthritis and other joint issues, chronic kidney disease, gout, severe excema and blood pressure. LV's line is simply 'we won't cover those'.
CKD and joint probs - she's had knees give way - have the scope to get expensive.
LV signed me to an Insirance Brokers web page/helpline with links to companies that will cover listed conditions.
Smokie's post is a jab in te ribs to get on and make some calls....
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I pay around £80 for annual world wide (excluding the US) cover with coverwise, whoever they are. That’s for the gold level of cover and includes winter sports. I get free travel insurance with my bank as well, but I like to keep my options open as it definitely excludes w8nter sports, and other things as well I am sure.
Andy was diagnosed with CKD in his late 20s, with an ESR diagnosis in the early 2000s followed by starting dialysis in 2003 and a transplant in 2005 (which subsequently failed in 2010). For the best part of 25 years for short haul / EU trips we took your approach of using insurance that just excluded the condition without any issue. However when we went on long haul trips, mainly Australia (where there’s a reciprocal arrangement that continues under GHIC), India, the far east and the Caribbean we took out cover using a company called staysure, who would provide cover for declared conditions including CKD and people on dialysis and they seemed competitive at the time. The actual cost of dialysis abroad depended on the type of dialysis, and was either covered by the NHS, the dialysis supplies company (who I’m sure just charged the NHS) or we just paid privately. Strangely Australia was a country in which for haemodialsys we had to pay, despite reciprocal health care arrangements, though that might be because we used a private dialysis clinic to fit our plans. I can’t recall.
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>> Strangely Australia was a country in which for haemodialsys we had to pay, despite
>> reciprocal health care arrangements, though that might be because we used a private dialysis clinic
>> to fit our plans. I can’t recall.
>>
Australia has a two stream health system. Public and private. Public is free and private you pay. We are living in Australia and use public health care. We have found it very good. My son and his family have private care but have found that the only benefit of it over public is that the hospital food is much better. That is for city hospitals. Country hospitals all have very good food. You get the same doctors in both the public and private systems. That is for hospitals. If you see a GP in his rooms they are almost all private. We pay about A$100 for a short consultation.
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I use ageco.co.uk - I know it's humiliating to accept we are getting old.
Gold Plus Annual Multi-trip policy (covers cruises) - £250 for 2 per year
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It may affect others on here, but travel insurance rules can change sharply as one turns 80. SWMBO kept a special dormant bank account open until we got that far, as it included global travel insurance for (IIRC) £11 a month. Now about 87, we don't go abroad much so take out short-term cover as needed.
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72 years old, past bowel cancer, current bladder cancer surveillance, all declared, multi trip, skiing and cruising* excluded, 159 squids, Saga.
* unless it's a Saga cruise
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Travel insurance - Duncan
