what a rip off, holiday insurance is!

[Bobbisox]

My OH is 70 in June so I have been looking around for some quotes, we currently have an annual insurance with our bank and we pay £19-95 per month but now because of him being 70, that changes, I had a quote for...£300!!! from them because he has type 2 Diabetes which they knew of anyway...
any suggestions?

[redman41]

The only alternative is to shop around and obtain quotes from other reputable Insurance Companies to see how they compare.
It's rip off Britain Bobbi !

[bednobs]

its on;y 60 pound difference over a year

[craft1948]

My friend who is 73 uses morethan................

[Bobbisox]

bednobs what we pay now is for both of us..
mine will have to be added to that cost

I am shopping around as we speak red x

[ethandron]

is that £300 annually? or £300 a month? if it's annually, it only works out at £60 a year more than you're currently paying, or to put it another way an extra fiver a month.
have you tried saga or diabetes uk?

[ummmm]

The bulk of the monthly amount was probably for Bill anyway...your own will probably be cheap.

[redcrx]

bobbi,
having paid out hundreds of pounds over the years in insurance i decided this year i would use just use my bank account one instead.
one fall later, little CRX spends 6 hours in casualty having 3 stitches put in his face and bang, theres a $950 bill for me. NEVER risk going without insurance in a place like that
My bank one is natwest, i will hopefully only need to pay £50 excess and it costs me £12 a month for the advantage gold account.

[ethandron]

bobbi, we apparently pay something like £70 a year for both of us through alan rogers. here's a link to it:
http://travel.alanrogers.com/

[ethandron]

it's like any insurance, a rip off till you need it :o)

[Euphemia]

My bank charges £50pa for my husband being over 70 and £50pa for me following a major op for cancer last year.

[Bobbisox]

cheers ethandron, will give this a try

[Bobbisox]

redcrx, No I would never go without but there is some good advice on here which I will try

[New Judge]

Open a current bank account with Lloyds TSB. Go for the “gold” option if you want Worldwide travel cover, “Silver” if you need only European. It will cover both of you until you are aged 80. You must inform them of any pre-existing medical conditions but most (I think including diabetes) are covered without extra cost. The cost is £12 per month for Gold (introductory offer of £7.95 for the first two months) or £7.95 for Silver (£3 for first two months).

If you can manage to have £1,000 per month paid in upgrade to “Vantage” and you will receive up to 4% interest on your balance up to £7,000. (This is being reduced to3% up to £5,000 from June).

PS – I don’t work for Lloyds!

[Buenchico]

Several charities (providing support to people with disabilities and medical conditions) provide a link to this broker on their websites:
http://www.able2travel.com/
(I've posted that information before and several people have reported back that they've found reasonably-priced insurance there. Worth a try, perhaps?).

Chris

[Bobbisox]

thanks all x

[chris1957au]

The reason for the increase in the medical isurence component its band in age groups usualy every 5 years so wait till your 75 it will go up again.

[theshedman]

Hi, my parents used ALL CLEAR last year as they are both into their 70s and have been finding it expensive with some companies they have used recently. All Clear were £500 cheaper than the ones they used the year before, so maybe worth a look. My father has lots of pre existing so it's always going to be high for him anyway but these were the cheapest he found.

[arwyn]

I agree bobbi the prices are sky high. I will also try some of these companies as mine was £330 (a year) last year just for Me and I'm only 48 years old lol. I hope you get fixed up.

[arwyn]

Trigg Mine was for 2 separate holidays 1 was 2weeks and the other was 1 week the £330 was for both,, Then I thought *daft Me should have bought an annual one* So I rang then back to ask and I was told it would cost £350.
So a note to others is to ask for both quotes.