Travel Insurance: Before a Home Exchange - Disclosing Medical Conditions

Following an issue of Home Swappers Newsletter earlier this year, which included an article on arranging annual travel insurance for seniors (over 70s) at reasonable cost before a lengthy home exchange, subscriber, Ken Silverthorn, sent the following very useful additional information for UK home exchangers on the importance of disclosing pre-existing medical conditions:

If you do not disclose medical conditions before travel, you may not receive payment if you have to make a claim.

Telephone Medical pre-screening line, 0800 281488, first to be issued an endorsement to cover your condition (s).

The following Endorsement applies to your insurance:

Cancellation and Curtailment

All claims directly or indirectly arising from the Pre-screened medical condition(s) detailed.

1. You must pay the first £5000 (£10,000 if travelling to USA)
2. The sum insured under this section is reduced to a maximum of £50,000

All other terms, conditions and exclusions of your certificate remain unchanged.

Travel Insurers

Perry Gambol, tel: 020 8542 1122

Biba, tel: 020 7623 9043

Brunsden & Co, tel: 011 7942 6877

Leisure Care, tel: 01793 750150 (specialist in the terminally ill)

Comments

[John W.]

You mentioned Perry and Gambol. I have first hand experience of dealing with this company (one brother having a triple bi-pass and the other emphasemia and angina), and they were an excellent company to deal with and not excessivly expensive.

[David White]

You recently included an article concerning the cost of travel insurance for wrinklies, especially those over 70 years of age.

We have just received a proposal for a stay in New Zealand of up to 4 months from a broker in Aberdeen. Their telephone # is 0845 130 2800, the offer is from AIS.

[insurance]

Insurance: "The Importance of Travel Insurance
By: Karen Zastudil "

insurance: "What Is Term Life Insurance?
By: Tim Gorman "

insurance: "How Do I Lower My Auto Insurance Premiums?
By: Tim Gorman "