So I have an annual travel insurance policy with an insurance company that costs me about £40 a year. I suspected it wouldn’t cover me for what is now a pre-existing condition – i.e. a left vertebral dissection that led to a stroke. I was right.
The insurance company got a nurse to ring, where upon it took an age to answer her questions because the answers aren’t straightforward when you’re trying to not withhold any detail they can later claim that you withheld. So questions like, “When did you last see a consultant and when will you next see a consultant?” involve explaining that I’m on the Cadiss trial so I see consultants more than I would’ve if I hadn’t volunteered for that. Obviously it’ll be held against me as she then has to record the frequency is actually more than it would have been if I hadn’t volunteered. I know it has other benefits, but so much for karma!
She ended by saying my current policy wouldn’t cover “the condition” so the insurance company has to ring me back. I pretty much knew that they would want a premium on top of the standard, but I can’t imagine what that might be, particularly when explaining it all took about 30 minutes.
On the other hand, on the recommendation of a nice man called George, who is on one of many the dissection/young stroke Facebook forums to which I now belong, I called a company called Able2Travel. In about 5 minutes flat they offered me two options on annual policies, one for £155 and one for £185. The latter seemed to have a few more benefits so I’ve put a reserve on it.
When the original company comes back, if it costs more than £185, I’ll simply take up Able2Travel’s offer, which seems more than reasonable under the circumstances. Which is exactly what George told me it would be, bless his helpful cotton socks. It’s rare I come across a service company that does exactly what it says on the tin.
So, while I have no idea how useful they are if one claims for something, for sorting out a policy that covers my “existing condition” with minimal fuss, it’s certainly beat my current company HANDS DOWN on customer service and, I kind of suspect it’ll do better on the price too. We shall see…