I have read the T&Cs for the insurance and pre-existing conditions are not covered . How do inform the insurer in advance what these conditions are? Monzo Chat was unhelpful.
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You donāt, as theyāre not covered either way.
When it comes to claiming; the claim will be approved or declined based on the information provided.
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Thank you for clarifying. I do have a couple of pre-existing conditions such as diabeties. Iām really looking for insurance that will help if I get run over, get delayed etc.
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Many travel insurance policies cover common pre-existing conditions like diabetes as standard and you should get one of them.
That includes policies that come bundled with bank accounts from the likes of Lloyds, Nationwide and HSBC.
Monzoās policy is not suitable in such circumstances.
The costs of a travel insurance are mainly associated with medical expenses. However unlikely you feel medical complications are from things like diabetes you definitely want to be insured for them (including medical evacuation to the UK if needed)
Youāre unlikely to get a policy which covers just the extras they bundle in (which donāt cost much)
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Iād advise getting insurance cover for this, even if you are just going to Europe. Itās not that much more expensive (Nationwide used to offer cheap cover for pre existing conditions on their packaged account).
Insurance is recommended by Diabetes UK.
Iāve had issues getting small local hospitals to accept a GHIC in the past in Europe, and Iād want the reassurance of medical cover, personally.
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Nationwide cover pre-existing conditions (sometimes free) with their Flexplus (Ā£13/month) as long as you register the conditions with them before travel.
I got a quote for covering my daughterās conditions prior to signing up with Nationwide. Very easy and all done online before signing up for the account and it came out as Ā£0 extra for them.
Thank you. I got a couple of quotes and I didnāt get change out of a grand. Iām 56, Iāll be happy of the Monzo covers me for travel issues and scoops me up of hit by a bus.
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Thank you. However, Iām heading SE Asia and most insurers are quoting a grand fir a month. Itās more than just one thing and I think the only thing coverable is my brain and toes. What scares me is getting run over and not having cover. My conditions are stable but would kill me should they flare up. Then it would be someone elseās problem.
Iād be very wary. If your policy doesnāt cover your existing conditions and something happens, even if it appears to you to be unrelated, you could find that you actually werenāt covered at all.
For example, if you fell and broke a leg, they could take the view that you fell because your diabetes caused your blood sugar to drop and that in turn caused you to fall. Thus, no cover.
Donāt forget that the Nationwide is Ā£156 for worldwide cover for a year. Your conditions might take that up a bit, but check with them.
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Hi,
I love Monzo, and since Nationwide is hiking the prices of their Flexplus next month, I was looking to switch my packaged account. However, despite liking Monzo for many of my banking needs, I have chosen Co-operative Bank over Monzo.
This is because it is Ā£2 a month cheaper, but honestly, as you include a Railcard Monzo, it is actually cheaper overall, saving me Ā£6 a year.
But more importantly, unlike nationwide or coop, you do not have the feature of adding a pre-existing condition extender if you pay more or waiver at no extra cost if the health conditions arenāt that serious. This will affect a lot of people who travel with health conditions and need them covered. I have well-controlled asthma, but I need to be able to see a doctor if my bag is stolen with my inhalers in.
If you change this, I will move to max!
Nationwideās current Flex insurance provider will not cover pre-existing cancer condition that has been in remission for 5years, however, good for being in a traffic accident etc, which is far a more likely risk. Bit weird really! No age premium now though whereas three years ago when they were using a different underwriter we had a Ā£65 additional premium for over age 75.
Hello Stuart I had already asked the same question. Pre-existing conditions donāt required to be disclosed to Monzo, as far as I can determine. There is nowhere to declare them because the policy just **doesnāt cover them**.
You would often āneed a separate travel insurance policyā that covers those ailments if you want them to be covered. Since the āinsurance provider specified in the policyā handles the coverage rather than Monzo chat, it could be beneficial to get in touch with them.
@AlanDoe is this a bot?
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I think that trying to run with two separate insurance policies like that would be just asking for trouble if you ever needed to claim.
Agreed, double insuring can lead to no insurance as companies will decline to cover the claim on the basis that you have cover else where.
Thereās typically ācontributionā clauses for general insurance. Life insurance is where it differs quite considerably. Under general insurance (including travel) itāll be shared contributions towards settlement. If itās a small claim, itāll probably just get settled by one and āsay no moreā. Anything out of the ordinary and it can get very messy - so best to stick with the one!