 Poster: A snowHead
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Hi, This has probably been asked before but I can't find it in search so I would appreciate any pointers to suitable companies.
We are 63 and trying to find an annual multi trip policy which will cover us for 30+ days wintersports, hard enough, but we also need it to cover us for pre-existing medical conditions.
I can only find multi trips with medical with a maximum of 17 days wintersports or 30+ days but not the medical conditions.
Any pointers would be greatly appreciated.
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Have a look at MPI
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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Thanks will do
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You need to Login to know who's really who.
You need to Login to know who's really who.
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@Timc, I would also suggest talking to MPI, and I mean talking to them not just doing the online stuff. We use them and, of course, are getting steadily older as each year goes by.
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Anyway, snowHeads is much more fun if you do.
Anyway, snowHeads is much more fun if you do.
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You'll need to Register first of course.
You'll need to Register first of course.
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Phone MPI, talk to Michael Pettifer
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@snowbunny, +1
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Another +1 for MPI here.
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You'll get to see more forums and be part of the best ski club on the net.
You'll get to see more forums and be part of the best ski club on the net.
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I use the BMC but you have to phone to get a quote for the medical condidtion.
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We used MPI last winter and my wife had a pre-existing. You have to sign a disclaimer that you understand the pre-existing won't be covered.
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snowHeads are a friendly bunch.
snowHeads are a friendly bunch.
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Whether a pre-existing condition will or will not be covered depends on the condition and the recent medical history but yes Layne you are right some pre-existing conditions wont be covered. Lots of insurers do cover older people with existing conditions subject to a separate screening which may be on lline or over the phone.
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And love to help out and answer questions and of course, read each other's snow reports.
And love to help out and answer questions and of course, read each other's snow reports.
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Thanks everyone, @Layne, not covering pre existing conditions is not an option for me as that can exclude me from other medical cover. I have recently been diagnosed with Type 2 Diabetes in a relatively mild form but if I choose against cover for this after going through the medical questionnaire I get the following message:-
Please be aware that the following conditions will also be considered directly and indirectly related to those already declared;
Diabetes mellitus
Chronic renal failure
Lower limb ulcer
Neuropathy
Peripheral vascular disease
Angina
Heart attack
Mini stroke
Stroke
If you choose to exclude cover for your medical conditions, any claims concerning these ones will also be excluded as the declared conditions are considered to be linked or have contributory factors.
While I would be happy to take on the risk for the Diabetes I am not prepared to self insure for the others.
My Diabetes diagnosis while disappointing and annoying does look like the perfect excuse to get a new pair of boots so I shall be back later in the year to ask advice about good boot fitters within reasonable travelling distance from Somerset.
MPI looks quite good so I shall be trying them.
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Is there a "Diabetes Society" or some such support group, if so there is almost ertainly information about an insurer who will provide the best cover for this condition.
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You know it makes sense.
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Otherwise you'll just go on seeing the one name:
Otherwise you'll just go on seeing the one name:
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@Timc, Have you tried InsureandGo, I have only used them for short trips but they covered medical conditions no problem.
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Poster: A snowHead
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try snowcard, you'll have to phone up but they will probably cover declared conditions for an extra fee
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Obviously A snowHead isn't a real person
Obviously A snowHead isn't a real person
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Thanks, I will try both, I just need to find a company to take on our risk, cost is not the issue.
I believe in insuring, having been on the receiving end of a rescue in the PDS by skidoo pulled blood wagon from the top of Mossette to bottom of Lindarets followed by helicopter to Linga and then ambulance to Abondance, I know how much insurance "eases the pain" both in money and worry. It's just that with 4 "conditions" between us at our age we want to get as much skiing in before we have to stop.
If we can't find an annual policy we will just have to insure trip by trip.
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Well, the person's real but it's just a made up name, see?
Well, the person's real but it's just a made up name, see?
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We use LV. Premier policy gives 31days. We're a similar vintage to you and DH has 4 significant pre existing medical conditions. You can get a quote online, premiums are reasonable. They also cover off piste "as long as you stay within the ski area boundaries of a recognised ski resort and follow the ski patrol guidelines" . Single trip insurance is often more expensive than annual.
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FAQ
