brain tumour and holiday insurance

alwaysonthego_2

My dh had a non malignant brain tumour removed from his pituaty gland in september. They think it may be growing back so he is closely getting monitored from his consultant. We are going to Florida in June and I am confused about the travel insurance. His 'tumour' is not life threatening, does not affect his day to day life and he takes no medication for it and it isn't even 100% whether it has grown back. Do we need to declare this to insurance companies?

OnceUponADream

alwaysonthego wrote: »

My dh had a non malignant brain tumour removed from his pituaty gland in september. They think it may be growing back so he is closely getting monitored from his consultant. We are going to Florida in June and I am confused about the travel insurance. His 'tumour' is not life threatening, does not affect his day to day life and he takes no medication for it and it isn't even 100% whether it has grown back. Do we need to declare this to insurance companies?

Hi
I would let the insurance company know just to be on the safe side. If something was to happen relating to his brian tumour they may not cover you as it wasn't declared. And the medical costs in Florida are horrendous.

the-chauffeur_2

The answer to your question depends on the requirements of the insurance company you chose to use.

Some will automatically exclude cover for any conditions (and related conditions) those covered by the policy have suffered from, had treatment for, or have become 'reasonably' aware of, in the twelve months prior to the start of the policy.

Others will require the policyholder(s) to call a medical screening telephone service and disclose any/all of the above. The insurer will then decide for itself whether to offer cover for those conditions.

Given the proximity of the diagnosis/treatment to your intended travel date, it's highly unlikely that you'll find anyone who'll offer cover for any symptoms associated with the tumour, but that doesn't mean it's not worth taking out some kind of cover. Unfortunately, you'll get no financial help (including cancellation cover) if he has a relapse, requires emergency treatment and/or his symptoms make him ill; that said, if he has an unrelated illness or accident, the insurance should pay out.

Given your situation, I'd strongly suggest you consider talking to a travel insurance specialist, rather than a high street bank or travel agent.

Hope that helps. And good luck.

alwaysonthego_2

Thanks guys I rung around some insurance companies. The medical screening questionaires were very hard to understand and I did not get any further info of what the questions meant. Probably going to ask the consultant.