One unexpected consequence of having a chronic but little known condition is difficulty getting travel insurance. I am covered by a European travel policy with Nationwide (a large UK bank). So I rang up to make sure I would still be covered when I next go on holiday. "We've never heard of CLIPPERS" they said, but with a bit of prompting, found it on the internet and then had to pass it to the head office underwriting team to decide how it should be categorised for the purposes of insurance. I got called back a couple of days later to be told that Nationwide "had declined to offer cover in relation to CLIPPERS" but that other aspects of my policy unrelated to CLIPPERS remain in place.
As Much Use As A Chocolate Fireguard
If not ideal, this didn't sound too bad at first but fairly quickly unravelled when I thought about it. Suppose, because I was so relaxed on holiday, I fell down the stairs and broke my leg? They might argue that as balance and coordination problems are signs of CLIPPERS this might be a CLIPPERS related injury. Also if we had to cancel a holiday because of a CLIPPERS related problem (or one which wasn't CLIPPERS-related but might superficially appear CLIPPERS-related) I would not be covered for cancellation costs (and neither would my wife). To be fair though I would still be covered for delays, stolen luggage etc but this on its own isn't enough.
Risky Business
So at the moment I am waiting for a quote from a specialist insurer, All Clear Options, who "provide medical travel insurance for people with pre-existing medical conditions who find difficulty in getting travel insurance elsewhere" - presumably at a price. I still don't know for sure if they will cover me as, surprise surprise, CLIPPERS wasn't on their database either. I think the problem is one of risk - insurers love to be able to estimate risk but it's hard with CLIPPERS as there is so little data out there. So even if I am essentially well my risk may prove hard to quantify.
I'll be sure to keep you posted about my exciting adventures in insurance-land.
Read other articles in this series at Living With CLIPPERS.
Living With CLIPPERS by Bill Crum is licensed under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License.
