Travel insurance for heart condition (SVT)

[desafinado74]

Hello everyone,

I have been looking for travel insurances that would cover my pre existing condition (SVT = When my heart suddenly beats very quickly)
So far, All Clear Travel seems to be the best one so far.

I would like to know if anyone has other recommendations?
Of course, it would be great to hear from others who have a similar heart condition who have taken out or made claims from their insurance too.

 

[NinnyPoo]

I have a similar request. (Sorry I cant answer your question @desafinado74 )

My spouse recently had a stent inserted. Our standard Amex Credit Card insurance clearly excludes pre existing conditions such as this.

I have looked at AllClear insurance, but it isn't the cheapest, even when stripping out cover for missed flights and a high excess.

Any guidance appreciated for both of us on the forum.

My guideline for insurance is "cover the large potential cost". I never insure the excess on a rental as I reason that is pure profit from a rental and some credit cards will cover. $5000 over decades of car rentals isn't a lot if I have to pay. Medical is clearly something to cover. The trip would be two weeks in Western Europe - Spain, France and Belgium.

Thanks

 

[RooFlyer]

I would like to know if anyone has other recommendations?
Of course, it would be great to hear from others who have a similar heart condition who have taken out or made claims from their insurance too.

Look at Southern Cross Insurance. They covered me with my history of Afib (although I have had an atrial ablation) plus some other conditions that others wouldn't. Hefty premium addition, though (but I don't know what increase was attached to what condition).

 

[tgh]

Last trip we secured excellent cover with Bupa covering all pre existing conditions , including Ischaemic heart disease (stent)

 

[desafinado74]

Thank you for everyone's helpful suggestions. I will have a look at Bupa and Southern Cross then.

 

[Cynicor]

Most should be fine, svt is rarely an issue. Most have online medical screenings, and they are all pretty similar. I suspect there’s only one or 2 screening platforms around.

 

[Pushka]

Most should be fine, svt is rarely an issue. Most have online medical screenings, and they are all pretty similar. I suspect there’s only one or 2 screening platforms around.

We have been checking similar health issues with so many different companies. Same questions every time. Prices and loadings all over the place though.

 

[Cynicor]

We have been checking similar health issues with so many different companies. Same questions every time. Prices and loadings all over the place though.

Yea, definitely different actuarial calculations but the same backend for med assessment

 

[tgh]

but the same backend for med assessment

You may be right..BUT.. I did considerable research prior to our last trip and my recollection is that the structure of questions and acceptance outcomes varied greatly across providers.
Some condition questions allow little variation in possible truthful answers.. leading to very mild (low risk) conditions all lumped in with the worst possible condition summary (higher risk)

 

[Cynicor]

but the same backend for med assessment

You may be right..BUT.. I did considerable research prior to our last trip and my recollection is that the structure of questions and acceptance outcomes varied greatly across providers.
Some condition questions allow little variation in possible truthful answers.. leading to very mild (low risk) conditions all lumped in with the worst possible condition summary (higher risk)

Maybe we need a database of this.
And also the right pre existing condition acceptance helps avoid it entirely. My 80yo parents get nib because their diabetes is covered without the questions, saving the possibility of extra premium anyway!

 

[pauldab]

I have been using Allianz for my travel insurance these last few years and the additional cost for my condition (colitis) with my annual (for work) and per-trip (when I travel with family) insurance is not a bad additional cost for acceptance of the existing condition.
It does seem to be easier that it's been stable for years but your own experience will definitely depend on the companies classification and risk profile for you.