travel ins & undiagnosed heatlh problem?

wolves10

hi
my daughter (18) is going abroad for the first time in july, but she has been referred to a cardiologist, but at the moment i cant get an appt before she travels.
i am under the impression that she won't get medical cover as she doesn't have a diagnosis. her gp is happy for her to go as is not overly concerned but she just needs a check up!

any ideas of companies that will insure her??
many thnks

Quentin

See if there is anything at the british heart foundation site that can help.

They have a fact sheet giving details of insurers (travel as well as life) who will take on sufferers of heart complaints (though expect to pay extra):

http://www.bhf.org.uk/publications/view-publication.aspx?ps=1001214

InsideInsurance

Does she have a preliminary diagnosis?

As long as she can give a name to what they believe she is suffering from then she should be able to get cover with an increased premium to cover this issue. The challenge will be if there is no name for it yet in which case you'd need one that accept broad brushstroke conditions

wolves10

InsideInsurance wrote: »

Does she have a preliminary diagnosis?

As long as she can give a name to what they believe she is suffering from then she should be able to get cover with an increased premium to cover this issue. The challenge will be if there is no name for it yet in which case you'd need one that accept broad brushstroke conditions

HI THANKS FOR THE REPLY - NO SHE DOESN'T HAVE A NAME FOR ANYTHING YET THATS THE PROBLEM WILL GEt back onto my gp and see if she has any idea?? which i dont think she does.

whoops sorry about caps!!

wolves10

Quentin wrote: »

See if there is anything at the british heart foundation site that can help.

They have a fact sheet giving details of insurers (travel as well as life) who will take on sufferers of heart complaints (though expect to pay extra):

http://www.bhf.org.uk/publications/view-publication.aspx?ps=1001214

thank you will take a look - she has no diagnosis so its going to be tricky!

Clive_Woody

wolves10 wrote: »

thank you will take a look - she has no diagnosis so its going to be tricky!

The GP must be referring her with the suspicion that she has a specific problem and he should be able to provide details of relevant symptoms that caused him to make the referral. Ask for these.

wolves10

Clive_Woody wrote: »

The GP must be referring her with the suspicion that she has a specific problem and he should be able to provide details of relevant symptoms that caused him to make the referral. Ask for these.

THANK YOU - its alos hard contacting thr gp as shes 18 they reallys shouldnt be discussing it with me!!! but as i explained she would by insurance without even thinking of this!

Dunroamin

Which country will she be visiting?

hellzbellz

What I typically find in this scenario is that insurers will exclude all heart related claims which can be traced directly or indirectly to the currently undiagnosed cardio issue.

As someone else said insurers may cover conditions for additional premiums but this is normally after a formal diagnosis.

The only sure way to know is refer to the policy medical underwriters.


Sometimes they are helpful enough to suggest alternate niche policies if they themselves can't help.