Mum just been diagnosed with cancer, do you have to declare for holiday insurance

shopaholicjules

Morning

Devastatingly, this week my mum has told me she has been diagnosed with breast cancer, she is having a mastectomy in the next couple of weeks.
My question is, my mum and dad go on holiday quite regularly, if she did not tell the insurance about the cancer and something happened abroad unrelated to the cancer i.e. she broke her foot, would the insurance be void or would it only be if it was connected to the cancer.
She has a gold account with Lloyds so gets free travel insurance as it stands at the moment.
My mum is really positive and I hope and pray things go well and she remains well, I think that they will probably go on even more holidays anddon't want sky high insurance to make it so that they cannot afford.

Any thoughts please

Jules x

little_miss_muppet_face

Yes, she definetly should,
I am also with Lloyds, I had a small stroke a couple of years ago,
i notified them of this and I had to pay an extra premium of £50 just before i went on holiday and also have to notify them each time i go, and i guess pay a further premium, you dont want to risk her going away and needing treatment for any reason and they turn her down because of this.

p.s. btw im sorry to hear this about your mum **hugs**

InsideInsurance

Most insurers would require to be informed, they will offer to either cover the condition (probably for an extra premium) or exclude it from cover.

Some insurers simply exclude all pre-existing conditions and therefore there isnt any need to inform them.

_Andy_

Yes she must disclose it

shopaholicjules

Thankyou for your responses which I will pass on to my mum.At least she can see how much it goes up by and whether to exclude it.


She is very practical which is good,I'm falling apart but trying to be strong for her


Many thanks

jobdone1

Wish you all the best for mum and you.

meg72

Hugs to you and your Mum, its a worrying time, yes declare it, it probably wont affect the premium very much, but they look for any excuse not to pay out.

I am with Barclays and asked if I should declare that I had been told I had the beginings of cataracts they said definitely yes as If I had a fall or something it could be said that it was because I couldnt see properly, so declared and it made no difference to the amount I paid, better safe than sorry though.