Travel Insurance

I'm with Direct Travel (annual) and have a pre-disclosed medical condition.
I get asked a series of questions and get a letter confirming this. I am then covered for ALL problems.
Once they know that it is reasonable to travel the fact I have a life long medical condition doesn't up the premium or reduce cover.
They are happy that it would be really hard luck if I needed medical help for the pre-disclosed condition on holiday.

I have Direct Travel and so does OH. They charge us £20 each (AFAIR) for a pre-existing conditions sheet. There is nothing on there that would affect a ski trip, or any other sort of holiday.

Staysure - The Sequel

So..... I e-mailed Stan and had an e-mail back (not from Stan) apologising that I had been given incorrect information. It is indeed possible to upgrade baggage insurance to £2000 on their annual policy with winter sports.

Am I taking out their policy? No!

I am currently exploring other options :D

OldAndy wrote:I'm with Direct Travel (annual) and have a pre-disclosed medical condition.
I get asked a series of questions and get a letter confirming this. I am then covered for ALL problems.
Once they know that it is reasonable to travel the fact I have a life long medical condition doesn't up the premium or reduce cover.
They are happy that it would be really hard luck if I needed medical help for the pre-disclosed condition on holiday.

Probably my posting is well covered in the umpteen pages thus far on travel insurance on j2ski and HAT France etc

Briefly, at my age I've always given my insurer 'shopping' lists of medical pre-conditions. It seems the insurers are also trying to clarify dodgy situations that are currently being discussed in various fora.

Snowcard's recent rewrite asks just 6 questions. Then,(in part).."If you can agree this declaration any existing medical conditions will be coverd by this policy".

DaveW wrote:

Snowcard's recent rewrite asks just 6 questions. Then,(in part).."If you can agree this declaration any existing medical conditions will be coverd by this policy".

It's probably not a good idea to be sent for any tests or scan's, or have any health changes whilst running a Snowcard Ski Insurance Policy.

When I was a policyholder, I'd informed the company (as obliged to do in the t&C's of the policy) that I was having an MRI Scan of 1 knee (which was to confirm the consultants' findings) Snowcard quickly withdrew cover for "a knee". When the consultant viewed the results and advised doing nothing, Snowcard were IMHO quite slow to act and seemed reluctant to reinstate my cover. I've skied about 70 days since then, and not been back to Snowcard.

My consultants' summing up consisted of 3 words "you're getting old".

'you're getting old'

Like a dagger to the heart......but don't worry, i am always to see the ages of some people on the pistes.
On plenty of occasions i have been the youngest (at 37) on a lift and not by any small margin.

Snapzzz wrote:'you're getting old'

Like a dagger to the heart......but don't worry, i am always to see the ages of some people on the pistes.
On plenty of occasions i have been the youngest (at 37) on a lift and not by any small margin.

I'm way older than that, I just don't act it ) It is interesting that a mainstream ski insurer was not be keen to indemnify what for me, was officially termed "minor age related degeneration". Bloody umbrella salesmen the lot of em )

bandit wrote:

DaveW wrote:

Snowcard's recent rewrite asks just 6 questions. Then,(in part).."If you can agree this declaration any existing medical conditions will be coverd by this policy".

It's probably not a good idea to be sent for any tests or scan's, or have any health changes whilst running a Snowcard Ski Insurance Policy.

When I was a policyholder, I'd informed the company (as obliged to do in the t&C's of the policy) that I was having an MRI Scan of 1 knee (which was to confirm the consultants' findings) Snowcard quickly withdrew cover for "a knee". When the consultant viewed the results and advised doing nothing, Snowcard were IMHO quite slow to act and seemed reluctant to reinstate my cover. I've skied about 70 days since then, and not been back to Snowcard.

My consultants' summing up consisted of 3 words "you're getting old".

Yes I did read your earlier posting. It's a bit different if you're running a multi-trip, seasonaire or annual policy. Updating the insurer can be tricky.

Speaking as we find, I have always noted that in any discussion wih Snowcard they did seem quite willing to accept my many pre-conditions raised with them. My only reason in posting was that it has struck me that their re-write seems to confirm my earlier impressions of them. That is NOT the same as a record of 'Claims' experience, of course.

In a number of (single trip) ski-touring, skiing and low grade rope-work, I have never had a premium 'loaded'. I am currently running their Health Declaration past my doctor. Apparently people do this all the time. I never have!