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Re: [IPk] Travel Insurance problems

Hi Marc
Have a look in the archives of the list, this has been discussed a lot.
I can recommend Direct Travel as can many people on here, though there 
are plenty of others

They may charge a small loading because you've been hospitalised 
recently, but it won't exclude you.

I have asthma and a pump and had no problems getting covered, even for 
dangerous sports, with no extra loading. They did load my premium by 
about #10 when I wanted to travel within a month of breaking my arm and 
2 hospitalisations for it, which is fair enough!

If you have conditions (like diabetes) you'll have to ring them rather 
than doing it online. Phone number on the website.

Marc Taylor wrote:
> Hello,
> Last year my employers travel insurance (European annual multi-trip)
> covered me, including a history of asthma and ongoing diabetes.  My
> medical conditions have not changed, actually my diabetic control is
> much better because of the pump.
> This year they are refusing, because they have changed their screening
> policy <to exclude more people>.  They now ask diabetics about
> cholesterol and because I have historically taken statins (against my
> better judgement it has to be said, pre Dec 2006), and have a history
> of asthma (pre Summer 2006) and had bronchitis more than 10 years ago
> they will not cover me.  They also will not cover a random event like
> gastroenteritis because I landed up in hospital earlier this year.
> They'll cover me against theft etc but not these conditions medically.
>  I'm not bothered about the asthma (peak flow >700 & cholesterol total
> is 4.8) because they're non-existent conditions as far as I am
> concerned, but I cannot travel without diabetes cover as you never
> know what may happen (hence the need for insurance)
> Rant over.  Can anyone advise recommend a travel insurance company who
> understand the needs of people with common medical conditions.  I can
> then advise our company brokers to start with them.
> Thanks,
> Marc
> PS - another reason not to take statins or other drugs unnecessarily
> .
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