Holiday insurance declaring new condition?

Kittenonthekeys

Hi, please can anyone advise?
I'm booked to go on holiday in June (within Europe) having taken out holiday insurance at the same time as booking the holiday last November, declaring my mild asthma at the time. No problem with that - they just upped my premium a bit.
Now this week, I have been diagnosed with an eye condition that may or may not flare up some time in the future when it would require immediate treatment.
The question is, am I bound to inform the insurance co. now, as it did not exist at the time I originally took out the insurance?

Although I wouldn't begrudge paying a bit extra for peace of mind (although of course I would rather not!) I don't want to find myself in a situation whereby they refuse to pay out in the event I should need treatment abroad.
Anyone been in this situation themselves?
Cheers....

daveyjp

Read your insurance small print, chances are it''s a material change so you have to declare it.

We have updated medical history with an insurance company in he past for peace of mind and it has been noted, but never resulted in an increased premium as they have been minor conditions.

Kittenonthekeys

Thanks - I'll let them know tomorrow. Better safe than sorry, I suppose.

lovebargainshatewaste

I would definitely tell the insurance company. They're very good at squirming out of paying out, so for them, any excuse not to pay out is good. Tell them asap, then you'll have peace of mind.

Where in Europe are you going? Have you got your European Health Card? It's free and valid in all EU countries and covers you for medical care. There are some threads on this on this forum, so you might want to try a search.

HTH

Kittenonthekeys

Thanks very much - yes you're right, I'm sure they use any excuse not to pay out. I am going to Italy and I do have my EHIC card but I'll have to check the date on it, as I hadn't realised til tonight that they do expire.

Enterprise_1701C

If you have to renew your EHIC card and look on the net for renewals, please remember that you DO NOT have to pay, anyone asking for money to renew it is only acting as an agent. Someone elsewhere on this site gave this link through the NHS (have not checked it all through as do not need one so apologies if it is wrong)

Found a better link (possibly) from one of the guides on this site
http://www.moneysavingexpert.com/travel/free-ehic-card

bcl999

Kittenonthekeys wrote: »

Thanks very much - yes you're right, I'm sure they use any excuse not to pay out. I am going to Italy and I do have my EHIC card but I'll have to check the date on it, as I hadn't realised til tonight that they do expire.

I recently renewed mine on-line - it only took a couple of days to arrive. I think you can renew when you are within 6 months of expiry. As previous poster says make sure you go to correct govt-run site and not private one. I got the link from the thread already on this site.

Kittenonthekeys

A quick update - I did let the insurance co. know about the medical update and they just added it to my policy with no extra charge. I'm really glad I did it, so at least I know the new condition is covered .
Re. the EHIC cards - I checked and yes, they would have expired by the time we're due to go away but I've just renewed them online and apparently they take about 7 days to come through.
So thanks to everyone for their sensible advice - and to repeat yet again what other people have said (if a thing is worth saying, it's worth saying a hundred times), when applying for EHICs online, please do be wary of the sites that charge a fee, as the official government site is free; the private ones come up on top of the search pages.