Travel insurance without GP

All travel insurance will need your gp to complete a questionaire and forward your medical history when you submit a medical claim, unless the claim is small, so you will need to register with your local gp.

if you are a uk national, you would have already have a gp, so i am guessing you are a foreign national?

You will need insurance, really should have it as soon as you book the holiday. Just call a doctor tomorrow and register with them

mutley125/01/2018 21:50

All travel insurance will need your gp to complete a questionaire and …All travel insurance will need your gp to complete a questionaire and forward your medical history when you submit a medical claim, unless the claim is small, so you will need to register with your local gp.if you are a uk national, you would have already have a gp, so i am guessing you are a foreign national?Read lessRead more

I am a national, never needed a gp and with the current pressures on nhs i felt theres no need to register. So are you saying if there is no medical claim its ok to register and say that i have a gp?

eslick28 m ago

You will need insurance, really should have it as soon as you book the …You will need insurance, really should have it as soon as you book the holiday. Just call a doctor tomorrow and register with themRead lessRead more

The criteria is to have a gp for atleast 6 months.
There are other insurers who do not require it but a bit expensive.
For eg insure and go is the one. Costing 19-28 altogether

haa051818 m ago

I am a national, never needed a gp and with the current pressures on nhs i …I am a national, never needed a gp and with the current pressures on nhs i felt theres no need to register. So are you saying if there is no medical claim its ok to register and say that i have a gp?Read lessRead more

Odd you have never registered. Have you never had to visit the gp since you were a child?

I have never been admitted to hospital or visited A&E (touch wood) but I have been to see the GP several times since I was born!

Even if the insurer does not ask for gp when you buy insurance, they will still need your medical records when you submit a medical claim. How else will they be able to verify that you dont have pre existing medical conditions?

If the claim is not a medical claim, then they wont need to contact your gp, for example, lost luggage. But the whole point of travel insurance is the medical cover as medical costs can run into thousands, if not hundred thousand. Most people can afford to replace lost luggage and it is not life changing if you miss your flight, but it would be if you were involved in an accident or became critically ill and needed an operation whilst on holiday, and you dont happen to have the thousand of pounds to pay yourself for the operation or medical treatment.

As someone who works at Insure and Go, you need to reside for the past 6 out of 12 months in the UK, declare all medical conditions you’ve suffered from in the last two years (5 if cancer)

You will need to be registered with a local gp/doctor and the insurance will need to be purchased within the UK. Any slight false information “WILL” negate any medical claims you make. Other criteria’s may not be effected such as lost/theft/damaged items or travel delay as we don’t need to seek to your doctor unless of course it is loss of medical equipment

Hope this helps! 🏼

darkfrost125/01/2018 22:43

As someone who works at Insure and Go, you need to reside for the past 6 …As someone who works at Insure and Go, you need to reside for the past 6 out of 12 months in the UK, declare all medical conditions you’ve suffered from in the last two years (5 if cancer)You will need to be registered with a local gp/doctor and the insurance will need to be purchased within the UK. Any slight false information “WILL” negate any medical claims you make. Other criteria’s may not be effected such as lost/theft/damaged items or travel delay as we don’t need to seek to your doctor unless of course it is loss of medical equipmentHope this helps! 🏼Read lessRead more

I spoke with insure and go team today and was told about the first condition but not about being registered with the gp. But was asked about having medical condition, which i do not have

haa05183 m ago

I spoke with insure and go team today and was told about the first …I spoke with insure and go team today and was told about the first condition but not about being registered with the gp. But was asked about having medical condition, which i do not haveRead lessRead more

If you’re not registered with a local gp/ doctor and need to make a claim it will more than likely be rejected as harsh as it seems because you’re not registered.

The only thing would be our budget level of cover where we don’t offer pre-existing medical coverage but the excess is £100 and claiming for anything on your table of benefits would be a low payout.

Unless of course you have an excess waiver which I always suggest.

haa051825/01/2018 22:45

I spoke with insure and go team today and was told about the first …I spoke with insure and go team today and was told about the first condition but not about being registered with the gp. But was asked about having medical condition, which i do not haveRead lessRead more

That is because you didnt ask about the gp and they probably assumed you had a gp like everyone else. When you make a medical claim, they will need to verify that you have declared all medical conditions, and they can only do this by contacting your gp to get your medical history.

Without a gp, you can buy the insurance, but good luck with making a medical claim. Insurers are great at taking your money, but when it comes to paying out on a claim, especially large claims, which medical claims tend to be, they will want you to jump through hoops, and they will look at every avenue to duck out of paying your claim. Not being able to check your medical history will be an obvious excuse/reason for them not to pay out.

Thanks for all your help guys. Much appreciated.

mutley125/01/2018 22:56

That is because you didnt ask about the gp and they probably assumed you …That is because you didnt ask about the gp and they probably assumed you had a gp like everyone else. When you make a medical claim, they will need to verify that you have declared all medical conditions, and they can only do this by contacting your gp to get your medical history.Without a gp, you can buy the insurance, but good luck with making a medical claim. Insurers are great at taking your money, but when it comes to paying out on a claim, especially large claims, which medical claims tend to be, they will want you to jump through hoops, and they will look at every avenue to duck out of paying your claim. Not being able to check your medical history will be an obvious excuse/reason for them not to pay out.Read lessRead more

As bad as it seems, it is more than likely. Any concerns though always chat to our CSU agents (which I am)

They will go through everything to help out as best and even IF something is not covered in lines with our terms and conditions, we can still log the claim and under “extreme” circumstances they still can be paid out. But having a GP IS a must for medical claims 🏼

darkfrost124 m ago

As bad as it seems, it is more than likely. Any concerns though always …As bad as it seems, it is more than likely. Any concerns though always chat to our CSU agents (which I am)They will go through everything to help out as best and even IF something is not covered in lines with our terms and conditions, we can still log the claim and under “extreme” circumstances they still can be paid out. But having a GP IS a must for medical claims 🏼Read lessRead more

What if i keep a screenshot of the chat and show it later? If a claim is made?

Why not just register with a GP? It’s not onerous, just registering doesn’t cause a problem and if you need an introductory appointment/health check then 9/10 times it’s with the practice nurse.

What do you do if you get an infection or something and need antibiotics? Do you go to A&E for it or are you so lucky you’ve never needed the services of a doctor?

Anyone who envisages travelling abroad without travel insurance is either mad,reckless or just plain stupid. It covers an awful lot more than just medical care when you are out there.

Don't forget vaccinations

for the short-term traveller the recommended vaccinations for South Africausually consist of cover against Tetanus and Diphtheria, Hepatitis A and Typhoid. For trekking holidays or extended visits Rabies and Hepatitis B may need to be considered.

Sign up to an online GP?

gpathand.nhs.uk/

Take it out when you book, not just before you travel

generationz26/01/2018 15:10

Take it out when you book, not just before you travel

I have already booked the travel. Travelling in 3 weeks. Is it ok to get the insurance now?

chocci26/01/2018 07:45

Don't forget vaccinationsfor the short-term traveller the recommended …Don't forget vaccinationsfor the short-term traveller the recommended vaccinations for South Africausually consist of cover against Tetanus and Diphtheria, Hepatitis A and Typhoid. For trekking holidays or extended visits Rabies and Hepatitis B may need to be considered.Read lessRead more

I agree

haa051826/01/2018 15:29

I have already booked the travel. Travelling in 3 weeks. Is it ok to get …I have already booked the travel. Travelling in 3 weeks. Is it ok to get the insurance now?Read lessRead more

Get it ASAP. What if you get ill tomorrow and can't travel ? If you don't have insurance you will lose everything.

generationz13 m ago

Get it ASAP. What if you get ill tomorrow and can't travel ? If you don't …Get it ASAP. What if you get ill tomorrow and can't travel ? If you don't have insurance you will lose everything.Read lessRead more

So i spoke to their rep on chat asked for the go requirement and there isnt any. I have saved that chat for future reference and also registered with the online gp.

adam_holcombe4 h, 50 m ago

Sign up to an online GP?https://www.gpathand.nhs.uk/

Just did it. thank you