OUCH(UK) Organisation for the Understanding of Cluster Headache


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travel insurance

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#1 Tue, 29/07/2014 - 15:57
Last seen: 1 year 5 months ago
Joined: 26/02/2014 - 14:34

travel insurance

whats the score should i be letting them know i have clusters and if so any recomendations for a family trip to usa



Wed, 30/07/2014 - 08:23
Last seen: 7 years 11 months ago
Joined: 26/02/2014 - 14:54

i always mention it and get mixed answers from different ins companies. most class it as migraine no extra charge.

what to watch out for with some when asked about your meds. i always include medical oxygen some will then ramp up the fee classing you in the same group as the bad lung customers. you have to make it clear its for pain relief only not due to poor lungs. if you get an indian call centre or a just out of college student on the phone its better to phone customer services to clear the point [i had over a £100 refund by doing this once]

but i have had a few ramp up the fee and once refused travel ins.

i am at present with sainsbury annual travel ins who are ok.

always mention all your ailments otherwise you are giving them a get out clause not to pay out even if your claim is not cluster related.[eg if you had a stroke and never mentioned a neuro related prolblem like clusters or migraine they could well get awkward]



Wed, 30/07/2014 - 10:51
Mike's picture
Last seen: 8 years 12 months ago
Joined: 21/03/2012 - 12:43

David is quite correct. Insurance companies love "Non Dosclosure" Tell them everything from the day you were born. Not telling them everything gives them the  opportunity to not pay out in the event of a claim.

Chairman OUCH UK

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