Rae - Answered a Question by Townsend (02 Oct 08 21:32)

Try AllClear 0870 777 9339, Free Spirit 0845 230 5000, Holiday Services 01773 769406, Marrs 0870 920 2222 and Medicover 0870 735 3600. Hope one of these can help. They all specialise in travellers with pre-existing conditions.

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Reynolds - Answered a Question by Townsend (02 Oct 08 22:03)

I have pre-existing medical conditions and have always found Saga insurance very good, you do not need to be going on one of their holidays to get insurance.

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chandler - Answered a Question by Townsend (02 Oct 08 22:25)

Try Columbus Direct 0800 083 9503, we got cover for pre-existing medical conditions at a very reasonable cost .

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Macro - Answered a Question by Townsend (03 Oct 08 01:10)

The insurance used by your cruise company is sometimes the only one that will cover you, particularly as you get older. (Especially if you have already been refused by Age Concern who are usually good). You find after 65 it gets more difficult and you have to go through thorough medical checks. Cruises also cost more in insurance as even if you are in the EU (cheaper as reciprical arrangements with NHS through the european insurance card) you will have costs from the medical centre on board. Make sure the Ins.co. knows you will be cruising. Get your doctor to print out your medical history for the past 10 yrs and details of any prescriptions, as the ins companies need to know when where what etc accurately. You must include everything. If they find you did not give full answers to questions, when you make a claim they will wriggle out of it. When it comes to america/caribbean many ins. cos will not cover or will do so with restrictions or very large excess. One co. I approached, would cover but excluded anything 'heart' related for instance. Having high blood pressure can lead to many severe and sudden illnesses, so that is the worst almost as far as medical insurance cost goes. That, together with previous history of heart disease, will make it more difficult to find cover. I obtained cover for an elderley relative 2 weeks ago with a very similar scenario to yourself (after an increasingly desperate search through most of those that others have listed below)for worldwide inc. USA & Caribbean from 0845 230 7136, Preferential Insurance Services. (used by the Carnival Group Cruise Lines). £309 for the basic cover plus £441 for the medical excess. Terrible cost but at least he IS covered for everything and can go on holiday. At ten years younger though, your quote should'nt be as pricey !! Good Luck and read the smallprint carefully before you decide on anything or any money spent, may not be well spent. Finally - check to see how much cover you already have with your house and contents insurance, or have you a bank account with basic insurance cover that you have forgotten about? If you do then all you need then is cover for medical etc. as lost bags would be covered under house insurance say.

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Townsend - replied to Macro (03 Oct 08 08:24)

Many thanks for a most comprehensive answer. JT.

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Garrett - Answered a Question by Townsend (01 Nov 08 12:09)

Diabetes UK are pretty good (www.diabetes.org.uk) , but we have found Free Spirit (Tel: 0845 230 5000) cover medical conditions that other insurance companies do not necessarily cover – my husband suffers from COPD and can not get cover with most companies, Free Spirit covers him, but it is not cheap. However, it is cheaper than not being covered!

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Townsend - replied to Garrett (02 Nov 08 17:05)

Many thanks to all those who replied. I am still trying!!!!

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