Just read the small print whoever you decide go with.

Some of them quietly exclude your pre-existing conditions but cover you for everything else. In other words anything related (even indirectly) to your cancer is not insured. Twice I have almost been caught out by this trick.

As they say on all the Consumer Rights TV Programmes "If it seems to good to be true, it probably is!"

Cheers
Dave 

The company I used last year have hiked their premiums up and so far no-one else will give me an online quote. As soon as I enter Anxiety/Depression the shutters come down and they tell me to talk to a human underwriter for a specialist quote. Ironically the Cancer side of things hasn't been a problem (apart from high premiums of course). They all give a discount for getting an online quote, so I'm expecting another price hike for getting a quote by phone.

Has anyone tried Talk to Tim - I tripped over their site today and wondered whether they were any good. I've tried all the usual outlets including InsureWith over the course of this afternoon but so far not had any luck. I guess I should prepare for a mammoth Telethon tomorrow surrounded by all our medical history and current medications. 

Thanks

Dave

Well that was an interesting and extremely frustrating afternoon.

I spoke to InsureWith for 45 minutes going through everything in detail. At the end of it I was given a quote and told that the only medical condition not covered by the policy was something related to a recent holiday cancellation, which I accepted. The premium seemed very reasonable. 

When the policy documents came through I discovered that almost every medical condition I had declared had been quietly declined, even things which had been under control for over ten years. What a good job I read through the small print before paying up or going on holiday. Bizarrely my Oesophageal Cancer was covered but my associated Metastatic cancer had been quietly declined - if I had needed to make a claim, how would they distinguish between the two?

I've just sent them two pages of queries and requests for clarification - asking them to re-quote for all my medical conditions.

Reading the small print is always a good idea!

Cheers
Dave

Well that was an interesting and extremely frustrating afternoon.

I spoke to InsureWith for 45 minutes going through everything in detail. At the end of it I was given a quote and told that the only medical condition not covered by the policy was something related to a recent holiday cancellation, which I accepted. The premium seemed very reasonable. 

When the policy documents came through I discovered that almost every medical condition I had declared had been quietly declined, even things which had been under control for over ten years. What a good job I read through the small print before paying up or going on holiday. Bizarrely my Oesophageal Cancer was covered but my associated Metastatic cancer had been quietly declined - if I had needed to make a claim, how would they distinguish between the two?

I've just sent them two pages of queries and requests for clarification - asking them to re-quote for all my medical conditions.

Reading the small print is always a good idea!

Cheers
Dave