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Travel Insurance for pre existing condition?


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We are booked on the Africa -Asia cruise. My husband[ aged 72] had a stroke in May 2010, and we are finding it difficult to organize travel insurance which will cover him for the trip as it is a pre-existing medical condition. As a lot of passengers will be, or have been on past cruises, in the same position, can anyone suggest a travel insurance company that will cover him. His health is good now , but most companies that we have contacted , do not give cover for 2 years after a stroke. Any help will be greatly appreciated, thanks.

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Hi Linet - sorry this is long winded but hope it helps.


Although I have a pre existing illness I have had travel insurance in the past but had problems this time for our Africa/India cruise - 2 companies refused me. Not a good situation as can make it harder to get insurance if already knocked back.


Since my health is the best it has been for years and the best it is going to get - I decided to make sure on the 3rd application I would supply everything possible and talked with TA about the insurance issue and since we hadn't booked she was really helpful (cost us more to go thru TA however I had no luck with insurance whilst just trying to do it myself on internet)


We ended up with Covermore (probably more expensive - also not financial interest in them) however they are covering me for my disease and also the immunesuppressants I take. When I faxed the pre existing illness form to them I also included


  • Letter from GP
  • All blood test results in last 12 months (they were all on 2 sheets)
  • Other pathology results for other tests
  • Letter from Specialist that I was in 'remission' and should be ok

Apparently they get a bit funny about such long cruises and those going to Africa or America.


Good luck.:)

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We are booked on the Africa/India cruise as well. You may or may not have read on the Roll Call that we contracted Whooping cough during our last cruise in August.

We had Insurance cover but they would not pay out on the hefty ship's medical bills for my husband as he has a pre-existing chest illness.

How contracting whooping cough has anything to do with a pre-existing is beyond me. :mad:

I didn't see the ship's doctor as my symptoms didn't appear until the last couple of days of the cruise.



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