Hi,
I'm leaving Ireland for a year and was about to cancel VHI when I read that applying for new insurance when I return will mean waiting period and exclusion of an conditions I may develop between now and returning.
I'm not aware of any existing conditions and I've never claimed for anything from VHI. Most of my expenses (GP) don't exceed the annual excess.
The global cover quote for Canada is €2.3k and I have insurance as part of the visa programme. VHI suggested I downgrade my existing policy however when I return and upgrade anything not covered on the lesser policy will be subject to waiting and/or exclusion.
Also if I am out of the country from >6months they wont cover on the existing policy.
Can someone recommend the best thing to do in this situation?
Ideally I come back and resume Plan B without a break. The only way I see to do it is continue paying for Plan B and return every 5.9 months. Far from ideal.
Thanks,
P
I'm leaving Ireland for a year and was about to cancel VHI when I read that applying for new insurance when I return will mean waiting period and exclusion of an conditions I may develop between now and returning.
I'm not aware of any existing conditions and I've never claimed for anything from VHI. Most of my expenses (GP) don't exceed the annual excess.
The global cover quote for Canada is €2.3k and I have insurance as part of the visa programme. VHI suggested I downgrade my existing policy however when I return and upgrade anything not covered on the lesser policy will be subject to waiting and/or exclusion.
Also if I am out of the country from >6months they wont cover on the existing policy.
Can someone recommend the best thing to do in this situation?
Ideally I come back and resume Plan B without a break. The only way I see to do it is continue paying for Plan B and return every 5.9 months. Far from ideal.
Thanks,
P