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Holiday insurance again

User
Posted 12 July 2014 14:00:04(UTC)
Just had a review with the Halifax. Changed our standard account to an ultimate reward one. For £10 a month we get AA cover, emergency home cover, mobiles covered, cards covered and annual holiday insurance. We spoke to the insurance and due to PCa dx I have to pay a one off £61 for the annual world wide travel insurance. I paid £64 for a single trip recently

I think that's the best quote I have had by far.

Bri
User
Posted 25 November 2016 19:40:57(UTC)

Hi all. Just a brief point to add to this discussion. We are with Nationwide and paid the additional premium for pca. We recently had to cancel a trip to Australia with a cruise included. Very quickly and efficiently they paid out in excess of £3500 without question. How good an insurance is depends on how well they pay out. Nationwide scored ten out of ten. Thought this might be of use to you.xx

Max


"You can only play the hand you're dealt"

Thanked 2 times
User
Posted 15 July 2014 16:44:32(UTC)
Hi I'm wondering about holiday insurance we have been traverling the last three years without PC cover
Now after my husband had a spinal cord compression it is a bit more worrying but we wouldn't go if we thought there
Was a problem and that's when he's a bit further on than he is now ,fingers crossed ,the amount the company's want
Is huge do most people travel without it? After all the stresses a holiday is what some people need any tips?
Thanked 1 time
User
Posted 29 August 2016 08:17:58(UTC)

ok to open up an old chestnut

just had a great two weeks in Canada, used Insurewith got full cover for holiday, found them very helpful

what I learnt

if diagnosed before 1year of travel found it impossible to get full cover

always be truthful in what you tell them, and if anything alters ie medicines or treatment inform them

regards

nidge

run long and prosper

'pooh how do you spell love'
'piglet you dont spell love -you just feel it'
Thanked 1 time
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User
Posted 15 July 2014 06:28:20(UTC)
I applied for holiday insurance with the Royal Mail yesterday and was told that although they would insure me at the normal rate any claims related to PCA would be excluded from the policy. Very generous of them I thought!
User
Posted 15 July 2014 16:44:32(UTC)
Hi I'm wondering about holiday insurance we have been traverling the last three years without PC cover
Now after my husband had a spinal cord compression it is a bit more worrying but we wouldn't go if we thought there
Was a problem and that's when he's a bit further on than he is now ,fingers crossed ,the amount the company's want
Is huge do most people travel without it? After all the stresses a holiday is what some people need any tips?
Thanked 1 time
User
Posted 15 July 2014 18:04:38(UTC)
I should stress I have no known spread, not on any pain killers or HT. I guess if I'd answered yes to any of these it would have been different

Bri
User
Posted 15 July 2014 18:37:01(UTC)
We recently changed bank accounts to Nationwide and got free travel cover. Obviously medical conditions have to be declared amd consequently my spouse wasnt covered by the free option for pca, although he was with pca excluded. We had a quote from them of £140 to cover pca for an annual Europe policy for up to 60 days holiday per trip max. My spouse has metastatic pca with bone and lymph spread and is on ht.
Max


"You can only play the hand you're dealt"

User
Posted 15 July 2014 19:09:26(UTC)
That's sounds reasonable Max
User
Posted 15 July 2014 19:34:44(UTC)
That sounds very good max, my husband has PC spread to bones I have been looking for single trip insurance and it's £2000!
That's to travel in eu.
User
Posted 15 July 2014 20:03:16(UTC)
Yes I know. I thought it was good. It could also be extended for a further charge to cover long haul. We were previously quoted £1350 for just seven days in Lanzarote. Like others we have travelled to europe with just the ehic.
Max


"You can only play the hand you're dealt"

User
Posted 16 July 2014 16:13:48(UTC)
Hi after reading this topic my husband rang nationwide took out a flexi plus account £10 a month fee
Told them he had PC told them he was having chemo they didn't ask if there was a spread like most seem to but
They told him he can be fully covered for £80 I can't believe it I've had several quotes all silly money
Thankyou to max as if I had not read this topic I would never had known x
User
Posted 20 July 2014 09:00:45(UTC)
Just confirmed my annual worldwide travel insurance and for the. £61 I am fully covered ie

PCa
Chronic Renal Fsilure
Hydronephrosis
Metastatic Disease
Renal Tract Infection

Happy days

Bri
User
Posted 30 September 2014 18:06:37(UTC)

Hi Everyone, where are you getting this insurance Bri as I was quoted £3234 for one trip to Madeira. I have advanced PCa with bone metastases, post radiotherapy and on HT.

Wall, was that a current account you had to open with the Nationwide to get this cover?

Albert 

User
Posted 30 September 2014 18:28:31(UTC)

Its a Nationwide Flex account and you have to pay in £750 per month I think. My spouse has bone metastases as well and he was quoted £144 for Europe annual.

Max


"You can only play the hand you're dealt"

User
Posted 30 September 2014 19:49:13(UTC)

Also with nationwide £90 for UK and European cover also had the option to exclude cover related to prostate cancer, the addition cost would then be nothing.

Thanks Chris

User
Posted 30 September 2014 20:02:14(UTC)

Interesting

 

I have a current account with nationwide and free travel insurance but they wouldn't quote me for PCa cover. They did, however, pay up when my mobile phone was stolen in Paris earlier this year

 

I'm also with StaySure (annual worldwide) with PCa excluded

Nil desperandum

Allister
User
Posted 30 September 2014 21:38:04(UTC)

Albert, mines with an ultimate reward account with the Halifax, check my first post at the start of this thread

Bri

User
Posted 29 August 2016 08:17:58(UTC)

ok to open up an old chestnut

just had a great two weeks in Canada, used Insurewith got full cover for holiday, found them very helpful

what I learnt

if diagnosed before 1year of travel found it impossible to get full cover

always be truthful in what you tell them, and if anything alters ie medicines or treatment inform them

regards

nidge

run long and prosper

'pooh how do you spell love'
'piglet you dont spell love -you just feel it'
Thanked 1 time
User
Posted 25 November 2016 12:43:22(UTC)
Hi I just saw this post ive got an uktinate rewards account and husband got diagnose with locally advanced Prostate cAncer a month or so ago. What sort of questions do they ask. He's kn hormone therapy at moment and feels find and diesnt havs to go back until end if feb and we are going to Carrabean early january for two weeks ?
User
Posted 25 November 2016 12:59:08(UTC)

Hi you just declare all the medical conditions etc. They will ask what medication he is on, how many times seen consultant in the last year etc. They will then let you know what they can cover and any additional cost

Bri

User
Posted 25 November 2016 13:31:29(UTC)

The questions they ask, and the conclusions they reach, vary enormously. When my husband had advanced Pca with extensive metasatic spread, he tried all sorts of companies, including some who claimed to specialise in cancer or in medical conditions. For a two-week holiday in the Canaries, one quoted a four-figure sum; some would not insure the cancer, others refused to offer any cover at all. One company asked d for a list of all the bones in his body that were affected by the metastates! Even if such a list had ever been compiled, what was the point of that? And you can imagine how distressing it all was for my husband.

But then a friend recommended Nationwide. Their FlexPlus account costs £10 a month, and there's no requirement for any other payments into the account (although the interest offered on the first £2500 makes it worth keeping that much in the account). This includes worldwide travel cover as well as other insurances that you may or may not want. You do, of course, have to declare any medical conditions, but the main thing they're interested in seems to be the number of drugs or treatments you're having. My husband had to pay an extra fee - might have been £50 or so - to top up the cover, then he was covered for a year. It's well worth looking into.

Marje

User
Posted 25 November 2016 15:28:25(UTC)

I had an account with Nationwide nearly 5 years ago now and said I wanted to close it because I thought I could do better elsewhere. When I was interviewed they said "but you are benefiting from the insurance cover we provide", whereupon I pointed out that under their terms I was too old to qualify.

What you have to bear in mind is that insurers change their terms and conditions from time to time and as an individual your situation can also alter with advancing PCa, yet alone other medical conditions. Are you likely to just need a single trip cover (and to where) or multi trip cover (and to what countries/regions)? Is it better to insure individually or jointly? Is any free or cheap cover provided by someone being more than offset by having to be tied to them for an account that would offer better overall advantages elsewhere?

When seeking Travel Insurance, I have always fully answered questions about my medical history but have specifically excluded PCa, as extremely unlikely that urgent medical attention would be needed because of it. This may well change at some point with the possible effects of advancing PCa/other conditions. At this stage I will change to somebody else. A bit like car insurance where if you have an accident or have points on your licence, you may find that on renewal your current provider no longer offers the most attractive terms.

Read of a case where a tourist needed major medical attention - I think this was in Spain. The courier directed patient to what turned out to be a good but private hospital and insurers refused to pay. The patient was told he should have gone to a general hospital. So it's important to read the terms of cover and go with a reputable insurer who covers your individual requirements at most reasonable cost.

Barry
User
Posted 25 November 2016 15:41:23(UTC)
Hi we're with nationwide flex plus and pay a monthly fee of £10 to cover OH and myself ,when Gary had all results in to confirm PC I phoned to give them update ,they went through various questions some a bit more upsetting than other as was he expected to die within 6 months . They then came back with a policy that would cost another £120.00 a year which we accepted .make sure your as truthful as possible as it could invalidate policy .when this one runs out I will shop around but I don't think I will beat it .ours is world wide cover and OH node positive .
Debby
User
Posted 25 November 2016 16:01:59(UTC)

Lots of good points to consider, Barry - yes, of course age is a factor, and the age at which the different insurers jack up the premium or refuse to insure you at all is another thing that varies hugely.

Insuring as separate individuals rather than as a couple might seem advantageous, but in fact you'd need to declare the PCa on both policies, because if the holiday had to be cancelled because of it, you'd only both be covered if you had both declared it.

Obtaining insurance that excludes cover for the PCa is an option, but simply not declaring the PCa is not the same. Some companies simply don't cover you for conditions you have chosen not to mention, but most of them say they want you to declare everything, and it may invalidate the policy if you don't.

The variation in cost and conditions of travel insurance are much bigger than those in motor insurance, so it really is worth shopping around. Another contrast is that if you make a claim with one company, you can reinsure with another company without having to declare it - unlike car insurance where your claims record follows you for about five years.

We were just grateful to have found the Nationwide cover, as no one else seemed prepared to insure us at all at that stage without charging more than the price of the holiday.

Marje

User
Posted 25 November 2016 19:40:57(UTC)

Hi all. Just a brief point to add to this discussion. We are with Nationwide and paid the additional premium for pca. We recently had to cancel a trip to Australia with a cruise included. Very quickly and efficiently they paid out in excess of £3500 without question. How good an insurance is depends on how well they pay out. Nationwide scored ten out of ten. Thought this might be of use to you.xx

Max


"You can only play the hand you're dealt"

Thanked 2 times
User
Posted 26 November 2016 05:14:41(UTC)

Originally Posted by: Online Community Member
How good an insurance is depends on how well they pay out. Nationwide scored ten out of ten.

 

That's an important point

- most  positive reviews of insurance companies that you see on their sites,  seem to concentrate on how easy it is to take the insurance out,

I'm more interested in the companies that don't try to wriggle out when (and if) it comes to pay-out time.

 

Dave

Not "Why Me?" but "Why Not Me"?
User
Posted 26 November 2016 09:43:27(UTC)
Good morning, everyone

I'm 46 and was just recently diagnosed. I will have my prostate removed in the next two weeks. How soon afterwards can I fly to Italy?

I'm off to Cuba in April.

Stupidly, I didn't book travel insurance when I booked both trips. I haven't had a day off sick in more than ten years and thought I had time to get round to it. Not totally disastrous as Italy will only cost me £150 if I can't go - good old no frills airlines! Cuba will cost me a fortune if I have to cancel, but my critical illness policy has just paid up so I don't feel too bad.

But I'd really like to do the Cuba trip. Will I be able to get insurance being so recently operated on and awaiting follow up?

Is it better to go into a branch to discuss the Nationwide account? Or does someone have a number for them?

I am definitely having surgery and I think they will follow that up with radiotherapy. Is that the usual?

Walter
User
Posted 26 November 2016 10:30:24(UTC)

It might be worth waiting until after your op now as it makes the answers you give to the insurance questions more straightforward but you can go online and try a few websites to see what happens. We are with Insurewith who specialise in covering medical stuff - they were happy to insure John when he climbed Kilimanjaro in between his op and his RT and we have stayed with them ever since - annual worldwide cover (except USA) for us as a couple is £120 but I think we paid a little more in the first year when he had had the op. That includes the prostate cancer - I would be reluctant to take cover that excludes the prostate as although he would be unlikely to have any prostate problems during the holiday it is still the most likely reason that we might need to cancel, change dates, etc. some men, because of their prognosis or treatment plan, have no choice but to get insurance excluding PCa but if it is available my advice is to take it.

My dad's cover includes his PCa and various other things because he is nearly 80 - it is still only about £300 and he makes good use of it by being away more than he is home!

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


User
Posted 26 November 2016 10:42:25(UTC)
Because I booked the holiday before my husband found out about his cAncer the halifax under my ultimate rewards account are not going to charge a penny for this trip whoop whoop
User
Posted 26 November 2016 10:51:42(UTC)

PS presumably you will have had your post op appointment and pathology by mid January at which point you can discuss with the oncologist your Cuba plans - I am sure they will be happy to delay RT until after Cuba unless your pathology is dreadful (and even if it was dreadful - which is unlikely - they would put you on HT which wouldn't stop you travelling).

One thing we were told, although it seems other members haven't had the same advice (and it wasn't that he is very fair-skinned or freckly, he is very dark) was that John would need to be very careful in the sun after RT as the skin around the tummy and waist area would be very susceptible to sunburn. So we delayed RT until after our usual France holiday rather than him having to stay covered up.

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


User
Posted 26 November 2016 10:53:03(UTC)

A good result Ginga but then, that is what you were insuring yourselves against, the unexpected :-)

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


User
Posted 26 November 2016 12:51:48(UTC)
Lyn

I'm a Irishman - fair skinned, reddish hair, and burn like mad in the sun. When I go on holiday, and I travel a lot, I actually come back whiter than what I left because I use so much sunblock!!!! I need to get to Cuba before McDonalds and KFC etc! But good advice about skin care in the sun post radiotherapy.

Walter
User
Posted 26 November 2016 13:24:55(UTC)

I think if you went into a Nationwide branch they'd just tell you to talk directly to their insurer, who is UK Insurance Ltd, tel 08000510154.

User
Posted 27 November 2016 07:45:04(UTC)

Id try getting a few quotes via online insurance sites to see what reaction you get, the results and cost will vary a great deal, be honest in your answers, you dont need to get it now as youve already booked and most wouldnt cover you if you cancelled your trip, so consider buying a month or so before you go, beware if your still recieving treatment or got appointment to see a specialist or consultant, you may not be offered any cover until sometime after.

I visited Cuba about 15 years ago, like all the carribean its hot, wear high factor sun protector a keep out of direct sun exposure for the first week etc, Im sure youll love it, great place to visit if your a tourist, it will change unfortunatly

User
Posted 27 November 2016 08:42:34(UTC)

Although you obviously have to declare the cancer now, once you take out the policy you will still be covered for cancellation due to any further complications, so there's nothing to be gained by waiting.
Marje

User
Posted 27 November 2016 21:32:24(UTC)
Walter, visit moneysupermarket.com, click travel insurance, go through the screening, answer each question honestly and be amazed how cheap the policies are. Only terminal and very metastatic travellers pay ridiculous sums.

Good luck.

Bazza
I am Spartacus - with the strength of iron, a will of steel and the fight to give this disease a real run for its money.
User
Posted 27 November 2016 23:59:07(UTC)
Thanks Bazza and Marje and everyone else. I go on Wed 30 November to be told of my treatment plan, so I'll wait until then. No point speculating about what that might be although I have a fair idea.

Walter
User
Posted 28 November 2016 15:50:00(UTC)

OK, I'm a bit impatient.  As Marje suggested, I contacted the Nationwide's insurers.  Told them my story and am now covered worldwide for £180 per year.  It was dead easy.  I already have a Flex account with them and need to upgrade this for £10 per month to a Flex Plus account.  

Thanks Marje - looks like Cuba at Easter is very much going to happen.

Walter

User
Posted 28 November 2016 16:08:36(UTC)

Glad to hear you've got cover, Walter. Holidays are so precious when your health seems problematic and the future less certain - you just want to make the most of life. The Flexplus account almost pays for itself if you have some spare savings - they pay interest ( I think it's still 3%) on the first £2500, and also, as a current account customer, you get offered other savings accounts with better rates than you might get elsewhere.

Marje

User
Posted 13 December 2016 19:35:50(UTC)
Everyone - I got that a bit wrong - Nationwide are charging me an extra £100.80, not £180. Even better. Walter
User
Posted 13 December 2016 22:42:59(UTC)

I have just heard that Nationwide are about to close the Flex account to new customers. I'm not sure about the FlexPlus, but certainly for the Flex account, tomorrow (14 Dec) is the last day for new accounts.
Marje

 
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