1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.
  2. Hi Guest, welcome to the TES Community!

    Connect with like-minded professionals and have your say on the issues that matter to you.

    Don't forget to look at the how to guide.

    Dismiss Notice

Best travel insurance for depression sufferer?

Discussion in 'Health and wellbeing' started by rebel75, Jul 15, 2008.

  1. rebel75

    rebel75 New commenter

    I'm on a 6 month course of prozac for mild depression and recently tried to buy travel insurance for upcoming hols - I was horrified to discover that there would be a charge of 165 pounds extra on top of the premium. The insurance company said that when I finish the medication I will be reimbursed pro-rata which seems fair. Before I pay up I was wondering has anyone had a similar experience and are there any particular insurance companies better than others for travel insurance for depression sufferers? I've not had much luck shopping around online. The above quote was from Atlas Direct. I would greatly appreciate your help on this...
    Many thanks!
     
  2. rebel75

    rebel75 New commenter

    I'm on a 6 month course of prozac for mild depression and recently tried to buy travel insurance for upcoming hols - I was horrified to discover that there would be a charge of 165 pounds extra on top of the premium. The insurance company said that when I finish the medication I will be reimbursed pro-rata which seems fair. Before I pay up I was wondering has anyone had a similar experience and are there any particular insurance companies better than others for travel insurance for depression sufferers? I've not had much luck shopping around online. The above quote was from Atlas Direct. I would greatly appreciate your help on this...
    Many thanks!
     
  3. never seen a travel insurance policy in my life that covers psychiatric disorders anyway - and how likely is it you would need it? - so I would shop around and not declare unless you have to - especially if you are only being treateed by GP and if policy would not cover psych related things anyway!

    try confused.com - think they do travel insurance and have just saved me a bomb on car insurance.

    I have travel direct insurance.
     
  4. I've never heard of having to declare depression when getting travel insurance either. I've been on sertraline for a few years but never had to declare it.

    Shop around and don't declare it, would be my advice, but don't quote me!
     
  5. see what it says here - should be able to get it an normal rates - maybe get a supporting letter from Gp saying no increased risk?
    http://www.the-insurance-surgery.co.uk/illness/depression...


    and

    www.mind.org.uk/Information/Factsheets/Insurance.htm

    there is the whole issue of not disclosing invalidating a whole policy - but NO WAY should they be penalising you like this for mild depression - especially if it would be excluded anyway- make it clear you do not want cover relating to it - do Atlas think you want cover for this and that is the reason for the premium bump up - can't they just exclude it as a pre-existing condition?


     
  6. rebel75

    rebel75 New commenter

    Many thanks for your responses! I must admit I have considered not declaring it, I'm only on 20mg per day. The company I spoke to said it would be an issue if say I broke my leg and needed anaesthetic, would then have to declare I'm taking prozac which might affect anaesthetic etc etc... However they are trying to sell a policy and perhaps I'm being overcautious!
     
  7. We have never had a problem with insurers increasing the premium, they have just excluded 'depression' (presumably self-harm, suicide etc?) from their cover. I always said my husband's medication was for stress/depression though. I don't think it pays to not declare it, as I have always thought if he needed emergency medical treatment for an accident this would be just the opportunity for the insurers to get out of paying the medical bills.

    I think we normally use http://www.travelplandirectinsurance.com/yourtravelcover/...

    or Travellers Protection Services that seem to be under this name now: http://www.cancellationplan.com/
     
  8. completely overstating case on 20 mg a day. don't entertain it and tell them why you aren't. This is discrimination by the back door.
     
  9. wftristan

    wftristan New commenter

    Hi

    I'm not sure if this will be helpful but i have written a post on our blog that anybody wanting to travel may find handy - its all about travel and depression and Insurance, yes i work for a travel insurance company (i dont often admit that in public) but i also suffer with depression having walked the black dog for nearly 20 years now - hopefully its helps a few people The facts about depression and insurance

    Tristan
     
  10. Doitforfree

    Doitforfree Established commenter

    I don't know if it's the same for mental health issues, but for anyone with a physical illness they are generally much better off using one of the specialist medical insurers. Premiums can be near normal even for quite serious conditions.
     
  11. barmyarmy

    barmyarmy New commenter

    I travel quite a lot, I always declare the meds and the insurers always state that they don't cover a mental illness. We generally pay around £130 for a family of three ( my husband has a back condition and I have a leg injury ) so not too bad!
     

Share This Page