GeoffM

Generally I dislike using 3rd parties but by the sounds of it, in this case they will be useful then.

So pre-existing should be covered from day 1, but the premiums will be higher. How far in advance should I be setting this up properly? Many "instant quotes" only allow up to two months in advance. We have a vague "late November / early December" aim which I appreciate is a long time from now but better to be prepared.

Any opinions on whether I should just pay up for the family despite them being outside the country for a couple of months?

Thanks all.

meauxna

I think now would be a good time to start a relationship with someone. We had such a great broker for our family business, but she's retired now (and in the wrong state for you).

I would then ask the broker if there is an advantage, or a way around, paying for your family while they are not in the US.

Consider this like hiring any other expert. Surely, with your 'O' capabilities you can appreciate specialists.

Bob

Got a trade body, chamber of commerce or anything like that you could join? If you can, you can then often get a group rate through them, usually expensive still but gets you off the pre-existing problem etc.

The NHS credible coverage means you've got 63 days to find insurance before insurance can use pre-existing as a barrier to coverage. That's not to say they won't price you out of the market though, just that they'll offer you coverage.