Travel Insurance and taking statins

stagey_2

My husband is taking a 5mg blood pressure tablet and a statin and his cholesterol is only 2.8mg - so very low. However, if I do an online search for travel insurance and because he is taking a statin for high cholesterol it says it can't be covered - half the population take a statin for this condition. He had an exploratory exam an angiogram 2 years ago and and was put on the tablets after that. He has had no other treatment.

My concern is that if he had an issue whilst abroad and it was concluded it was because of cholesterol we would have a problem so I'm not sure how to go about this. he is 67.

Maybe there is a travel insurance expert out there who can give the insurance view on this. Many thanks

InsideInsurance

Either you declare the heart condition/ hypertension etc and pay an increased premium but be fully covered or chose a policy that excludes pre-existing conditions and dont have any cover for any issues that arise from the condition that he has that results in him being prescribed the drugs

Duckman9999

Interesting point. I had a bypass 6 years ago and take a handful of drugs every day, but the chances are that I will not be taken ill as a result of this condition (and if I am, it's likely to be serous, so EHIC kicks in). Frankly I don't see the point of paying a huge premium for something so unlikely to happen - but am I breaking the rules if I don't declare it? Could this invalidate a claim for e.g. lost baggage etc?

stagey_2

Duckman9999 wrote: »

Interesting point. I had a bypass 6 years ago and take a handful of drugs every day, but the chances are that I will not be taken ill as a result of this condition (and if I am, it's likely to be serous, so EHIC kicks in). Frankly I don't see the point of paying a huge premium for something so unlikely to happen - but am I breaking the rules if I don't declare it? Could this invalidate a claim for e.g. lost baggage etc?

I think my concern is that even if treatment was free with EHIC and you needed to be got home that wouldn't be covered without travel insurance. However I did an online quote declaring as much as I could with drop downs with EHIC+ and it was very reasonable - we both 67 and it was £141.00 00 annual - tho' if I was buying now would ring them to double check.

iharding

Who do you bank with? If you have the option of upgrading to a paid-for account, or maybe you already have one, you might get travel insurance as part of the package.

For example, Lloyds TSB Gold and higher accounts specifically cover pre-existing medical conditions and don't require disclosure in most certain circumstances. This, the mobile phone insurance, and AA cover included in the package work out a lot cheaper than buying separate products for my wife and I, so might well work out for you as well. I'm sure most banks offer similar packages.

Ian