MIS travel will quote for pre existing conditions.
You ring a number to declare the condition, they ask a few general health questions, then some questions specific to the medical condition(s). They sell through brokers.
You can call the MIS health check number on 091 745 751 to see how much if anything they would load your mother in law.
They will quote annual policies up to age 65 and single trips up to age 72.
On the point of age: the only company I know of doing the over 75's for annual policies is Eaglestar and their single person price is €115 for a year. They don't cover pre-existing conditions and a letter is required from the person GP confirming they are fit to travel.
Some further info from MIS policy book
PRE-EXISTING MEDICAL CONDITIONS
HEALTH CHECK 091 745 751
If you are aware that you or any person whose ill health would force you to cancel or cut short your
trip, or have been admitted as an inpatient in the past twenty four months, or have suffered from or
received any form of medical advice, treatment or medication for a
1. Heart or Circulatory related condition (e.g Hypertension, Angina, Stroke etc....)
2. Lung or Breathing related condition other than well controlled, mild Asthma, suffered in
isolation
3. Cancerous condition
Then you must contact the Medical Pre-screening company in order to arrange cover for that
condition. Failure to advise the Medical Pre-screening company of a pre-existing medical condition
may result in claims for those undisclosed conditions not being paid.
Contact the Medical Pre-screening company on 091 745 751 quoting reference MSC10199
Please note that cover cannot be offered if you, or the person you are travelling with:
•
are travelling against the advice of a medical practitioner
•
are travelling for the purpose of obtaining medical treatment
•
are on a hospital waiting list
•
are awaiting the results of medical tests or investigations
•
are receiving ongoing dialysis treatment
•
have been given a terminal prognosis
•
have anxiety, stress or depression
•
are due to give birth within fourteen weeks of the booked start or return date of your trip.
What will happen when you call Health Check
Our trained operators will ask you a few simple questions about your intended holiday and the medical
condition. You will be advised as to whether your
Pre-existing Medical Condition can be covered,
whether there will be an additional premium to pay or any changes to the policy terms and conditions.
This quotation is valid for 14 days from the date given. If cover can be provided, you will be given an acceptance code and a letter will be sent to you upon receipt of payment, detailing the extension of cover. Please read this letter carefully and keep it with your insurance documents as it confirms the terms of the cover. Please note that cover is not effective until you are in receipt of this letter.
What will happen if you do not contact Health Check
If you do not contact Health Check you will not be covered in the event of a claim arising out of your
Pre-existing Medical Condition.