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Author Topic: Travel insurance: UK solutions  (Read 1712 times)

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Offline newt

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  • the one and original newt
Travel insurance: UK solutions
« on: July 07, 2006, 05:22:38 AM »
Several companies now offer travel insurance to people with HIV:

Freedom Insurance who are working in partnership with THT

Easy! Travel Insurance

Are two specialists.
"The object is to be a well patient, not a good patient"

Offline Ann

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  • It just is, OK?
    • Num is sum qui mentiar tibi?
Re: Travel insurance: UK solutions
« Reply #1 on: July 07, 2006, 10:02:49 AM »

I've used Freedom two or three times now. They go by your CD4 count and if you're in a decent range, your premium is no higher than someone who is not hiv positive. I know this because my partner also took out a travel policy with them and his premium was exactly the same as mine. Luckily I didn't get into a situation where I needed the insurance, but the cover was quite good and included lost or stolen money and/or luggage along with medical needs.

Ann
Condoms are a girl's best friend

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"...health will finally be seen not as a blessing to be wished for, but as a human right to be fought for." Kofi Annan

Nymphomaniac: a woman as obsessed with sex as an average man. Mignon McLaughlin

HIV is certainly character-building. It's made me see all of the shallow things we cling to, like ego and vanity. Of course, I'd rather have a few more T-cells and a little less character. Randy Shilts

Offline Dennis

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Re: Travel insurance: UK solutions
« Reply #2 on: July 07, 2006, 03:30:50 PM »
This is interesting.  Working in travel industry, I sell travel insurance frequently.  None of my clients have ever had to fill out a questionaire of any sort regarding their health.  It's as simple as including it in their quote and collecting the premium.  Is it just the opposite in the UK?

Offline BassMan

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  • Gran Canaria 2006
Re: Travel insurance: UK solutions
« Reply #3 on: July 08, 2006, 04:40:35 AM »
The majority of UK health insurance policies - travel or otherwise - won't touch you with a barge pole if you're positive.

My partner and I use ItsSoEasy travel insurance for our annual policies and I can recommend them. They don't ask any CD4 questions, but in common with a lot of insurers these days, they won't insure you against pre-existing medical conditions if you're a smoker. My partner is diabetic but because he's also a smoker, any claim arising directly from his diabetes is specifically excluded.

It's worth mentioning that if you're in a serodiscordant relationship, it's still worth your negative partner taking out travel insurance on your HIV-specific policy; otherwise if you should fall ill and have to return home, there's a good chance that your partner's policy would refuse to cover them because the claim was connected with *your* HIV.

Carl
Manchester, UK
« Last Edit: July 08, 2006, 01:18:28 PM by BassMan »
Diagnosed December 2002
CD4 810 VL 750,000

Started meds October 2004
CD4 405 VL >100,000

Latest Results: October 2009
CD4 888 38%, VL undetectable
on fosamprenavir/ritonavir & Truvada

VL undetectable since November 2005

Offline newt

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  • the one and original newt
Re: Travel insurance: UK solutions
« Reply #4 on: July 08, 2006, 09:44:49 AM »
I always use Freedom, just a personal preference.  They offered me an annual policy last time I called to shell out (well, for work to shell out 80 for a 5-day trip to the US).  I find them competitive, eg they are cheaper than my good friend's insurer, and he's HIV-negative.  Lots of people at work use them now, just on price (weird eh?).

Speaking of insurance, I am going next week for an interview for life insurance etc, with a special risks broker, i will report back on this if I remember to keep the appointment  :D

- matt
"The object is to be a well patient, not a good patient"

Offline keyite

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Re: Travel insurance: UK solutions
« Reply #5 on: September 22, 2006, 06:57:35 AM »
This is kinda curious - for me Freedom was quite a lot more expensive - 136 for an annual worldwide with CD4 583, VL 17,000 and not on HAART. It is fairly obvious to me that this is a lot more than a policy for someone without HIV would be.

It's So Easy, however, was just 99 again for annual worldwide. Needless to say I opted for the latter.

It then sounds like prices with Freedom vary quite a lot according to numbers and whether or not you are under HAART. As always with insurance it pays to shop around.

 


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