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Old 10-15-2013, 03:50 AM   #1
zanzibar138
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Grrrr! Travel Insurance Rant!

Wow I'm getting frustrated trying to get someone to insure me!

I have 3 very minor 'conditions' which don't affect my day to day life at all, and even if they flare up while I'm away, the worst that will happen is that I will require antibiotics or maybe a pair of crutches.

First up, grommets. As per my PTR, I'm booked in to get grommets on Thursday. The only reason I'm getting them is so my ears don't hurt so much on the plane. It's a quick, straight forward procedure that does not require any after care and happens all the time! The only reason I'm even listing it as a pre-existing condition is in case a bit of water gets in my ear in SE Asia and I end up with an ear infection.

Second, the specialist also discovered that my nasal passages are quite narrow and one is a tiny bit bent. It has not impacted my life at all, but the specialist said if I have surgery I may not suffer as badly when I get colds, hayfever, or on flights. I plan to have the surgery when we get back from SE Asia, so I feel like I should list it as a pre-existing condition since we're aiming to get an annual policy and so at some point during the year I will have the surgery. Again, not expecting this to cause any issues as I will have completely recovered from the surgery before we travel again.

The last one is the darn shin splints! Again, this is not something I would normally even bother to mention, as there is NO CHANCE that it would cause any problems on any normal holiday. The only reason I want to make sure I'm covered is because there is a small chance that it could flare up during the run. Even if it does, chances are I will just need anti-inflammatories for a few days, and maybe crutches so I don't have to sit down for the rest of the trip

I've applied with quite a few places now, rejected by everyone! I'm really surprised - I thought I was quite a low risk. Having said that, I can see how the risk computer may see me as high risk on paper. One of the places has organised for a manager to call me back tomorrow to see if there's anything they can do for me, but I'm not holding high hopes.

I'm so frustrated! It's not like any of these conditions are going to put me in hospital for a week or anything Does anyone have any suggestions?
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Old 10-15-2013, 04:02 AM   #2
kylieh
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Have you tried SureSave? They insured DH's heart probs and my DD's knee issues.

Having said that, I don't think anyone will cover you for surgeries you have planned, and depending on who you insure with there has to be 6 weeks between surgery and receiving coverage, regardless of the type, and no coverage for items for planned surgery.

ETA: I forgot to mention the best of luck to receive coverage, I hope that you can. Even if they don't cover those conditions you should be covered for everything else.
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Old 10-15-2013, 04:32 AM   #3
izzybjenn
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Hi there. Check out One Cover. For the shock of all shocks we got coverage for my disabled daughter who has active medical issues. Ie seizures etc.

Our peadiatrician suggested it. Might be worth a shot.

Also, people in the disabiility community recommend getting a broker if you are having issues getting coverage but I have no personal experience with them.
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Old 10-15-2013, 09:03 AM   #4
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We got cover for my hubby through suresave as well, he had to have stents, but last year he couldnt travel with us as we couldnt get insurance due to travelling within 3 months of his surgery, i would imagine that same thing applies for your grommets

with insurance just because they wont cover your preexisting conditions doesnt mean you cant have insurance, it just means those any claims arising from those conditions wont be covered...so you are covered for anything else.
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Old 10-15-2013, 10:54 AM   #5
zkillian
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Cool Try a guaranteed issued policy

There are some policies I recommend using that cover sudden pre-ex issues and they don't ask any medical questions. In the US they have guaranteed issued policies for people traveling outside their home country.

Atlas International is a good option and I chose the annual professional plan.
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Old 10-15-2013, 02:57 PM   #6
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Good Luck Zanzibar, hope it all works out and you are able to get insurance
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Old 10-15-2013, 06:17 PM   #7
zanzibar138
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Quote:
Originally Posted by kylieh View Post
Have you tried SureSave? They insured DH's heart probs and my DD's knee issues.

Having said that, I don't think anyone will cover you for surgeries you have planned, and depending on who you insure with there has to be 6 weeks between surgery and receiving coverage, regardless of the type, and no coverage for items for planned surgery.

ETA: I forgot to mention the best of luck to receive coverage, I hope that you can. Even if they don't cover those conditions you should be covered for everything else.
SureSave was one of the first I tried. I actually searched these threads for insurance and it was one that had been previously recommended for people with pre-existing conditions. On the plus side, I actually found them very nice and easy to deal with. It was just a shame that the girl I spoke to couldn't help me any further.

Good point about the surgery. The trouble is, because it's all computer generated, no one has been able to tell me exactly what the issue is or why they can't cover me. I might try ditching the second issue and see what happens. I can't really see any problems arising from that.

I know I'll be covered for everything else, but I don't want to be left high and dry, especially in the US, if I get an ear infection or injure my leg/s in the fun run.

Quote:
Originally Posted by izzybjenn View Post
Hi there. Check out One Cover. For the shock of all shocks we got coverage for my disabled daughter who has active medical issues. Ie seizures etc.

Our peadiatrician suggested it. Might be worth a shot.

Also, people in the disabiility community recommend getting a broker if you are having issues getting coverage but I have no personal experience with them.
I did also try One Cover, no luck there either.

The girl at SureSave did actually suggest a couple of brokers. I have yet to call, but at the very least they might be able to give me a bit more information about dealing with pre-existing conditions.

Quote:
Originally Posted by baf65 View Post
We got cover for my hubby through suresave as well, he had to have stents, but last year he couldnt travel with us as we couldnt get insurance due to travelling within 3 months of his surgery, i would imagine that same thing applies for your grommets

with insurance just because they wont cover your preexisting conditions doesnt mean you cant have insurance, it just means those any claims arising from those conditions wont be covered...so you are covered for anything else.
From what the specialist says, the grommets surgery is extremely easy and simple, almost like getting your ears pierced (but on the inside ). He said I will not require any medication or any special treatment afterwards (only the usual no driving or operating heavy machinery until the GA wears off). The specialist said he'd recommend having the next day off for recovery, but he's happy for me to travel any time after that. It seems a bit extreme for an insurance company to require me to wait for 3 months until I travel.

Quote:
Originally Posted by zkillian View Post
There are some policies I recommend using that cover sudden pre-ex issues and they don't ask any medical questions. In the US they have guaranteed issued policies for people traveling outside their home country.

Atlas International is a good option and I chose the annual professional plan.
I've never heard of that before - sounds like it would be very expensive! I'll check it out

Quote:
Originally Posted by Tashinwdw View Post
Good Luck Zanzibar, hope it all works out and you are able to get insurance
Thanks I hope so too!
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Old 10-15-2013, 08:33 PM   #8
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it was the same thing with my DH after having his stents put in, the surgeon said he was in better condition than he was the day before, so less likely to need insurance, the airlines allow people to travel 10 days after an angioplasty, but still the insurance wouldnt cover him so he couldnt come
i guess insurers look at the risk of a claim more so than the safety of the traveller
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Old 10-15-2013, 08:45 PM   #9
Luisa
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I was just looking at the brochure for the travel insurance that comes automatically with our credit cards and it mentions grommets are covered, it's underwritten by Zurich so maybe have a look at them?
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Old 10-15-2013, 08:54 PM   #10
zanzibar138
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Quote:
Originally Posted by baf65 View Post
it was the same thing with my DH after having his stents put in, the surgeon said he was in better condition than he was the day before, so less likely to need insurance, the airlines allow people to travel 10 days after an angioplasty, but still the insurance wouldnt cover him so he couldnt come
i guess insurers look at the risk of a claim more so than the safety of the traveller
Oh sorry I had no idea what stents were - for some reason I thought it would have been something a bit more serious.

It's frustrating because I think there's an extremely low risk of me making a claim relating to grommets And even if I did, it would just be one visit to the doctor to get a prescription for antibiotics for an ear infection. I really don't see how it's high risk.

I guess I really just want one of these insurance companies to explain exactly *why* they will not cover me, so that I can make a more informed decision.

And it probably makes it more complicated that I want an annual multi-trip policy, so I'm trying to cover things that haven't happened yet, if that makes sense.
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Old 10-15-2013, 09:03 PM   #11
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if it were me I'd apply and not mention those things. They really are nothing. Then go to your doctor at home and get them to give you a script for antibiotics you might need and anti inflammatories and just take them with you on your trip.
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Old 10-15-2013, 09:10 PM   #12
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I wouldn't bother with putting splints in as a pre-existing condition. If you're worried about a flare up see if you can get some meds to take with you, so you wouldn't need to visit the doctor. Possibly the same with the grommets?
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Old 10-15-2013, 09:21 PM   #13
zanzibar138
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Quote:
Originally Posted by jacs1234 View Post
if it were me I'd apply and not mention those things. They really are nothing. Then go to your doctor at home and get them to give you a script for antibiotics you might need and anti inflammatories and just take them with you on your trip.
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I wouldn't bother with putting splints in as a pre-existing condition. If you're worried about a flare up see if you can get some meds to take with you, so you wouldn't need to visit the doctor. Possibly the same with the grommets?
Yeah to be honest I'm considering just not bothering with the cover for the grommets and the nasal surgery. I didn't know I could get a script in advance though - I'll ask my doctor about that, it would definitely make me feel better about the possibility of getting an ear infection.

I really DO want to be covered for the shin splints though, as I don't know what will happen when I run 10km. It's possible (though highly unlikely) that I will get stress fractures, or maybe tendon damage/tears etc. As I said, it's very unlikely that anything like that will happen, but I don't want to be stuck in the US with something like that (which will be right at the start of a 3 week trip) and not be covered. If it wasn't for the run, I wouldn't even consider listing it as a pre-existing condition.
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Old 10-16-2013, 01:59 AM   #14
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Are you not getting cover on the shin splints because of the ears, ie they are seeing them as one group of issues? Or are the insurance companies looking at them separately?
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Old 10-16-2013, 03:38 AM   #15
zanzibar138
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Quote:
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Are you not getting cover on the shin splints because of the ears, ie they are seeing them as one group of issues? Or are the insurance companies looking at them separately?
That's the problem - I have no idea! They just tell me I'm rejected but are unable to tell me why or even which condition is a problem. I'll have to apply again just listing the shin splints and see how I go with that. The main problem with the shin splints is that I have no idea what the underlying condition is that's causing them, and a lot of insurance companies don't list 'shin splints' as a condition. But SureSave does, so I will probably go back to them
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