Travel insurance for undiagnosed medical condition

hannahsmamma

My GP sent me for a scan which will help him diagnose a(new) medical condition.
We won't get the results for another 4 weeks.
I am going abroad on holiday next week and trying to get travel insurance that will cover my other (old) diagnosed condition. I have done this before with no problems.
Now that I have an undiagnosed condition it means that I cannot get cover for the previously diagnosed condition with several companies I have contacted. I would consider only having cover for the 'old' condition. Has anyone any advice please?

InsideInsurance

What level of undiagnosed is it? Eg, you can be diagnosed with hyothyroidism but the root cause still be under investigation or it can be they have no idea at all whats wrong with you.

If it is a total unknown, you wont be able to find a travel insurer that'll touch it for any sort of premium that sensible. You may find insurers that'll exclude it but cover other issues but in a claim situation for anything health related you will also have possibly have problems as its going to be unclear if its related to the undiagnosed issue or not.

LittleVoice

You are telling the companies who would previously insure you with the original diagnosis that you are having tests for another condition so an unconfirmed diagnosis?
They will no longer offer insurance?
They are refusing to offer insurance which would have an exclusion of the potential new condition?
Are the two conditions linked in any way medically?

hannahsmamma

The two conditions are unrelated. The 'new' condition was spotted by chance on a recent X-ray for the 'old' condition. The insurance company will not now cover the 'old' condition until the 'new' condition is formally diagnosed and then I will have to submit a new application.

CoffeeandStitches

LittleVoice wrote: »

Are the two conditions linked in any way medically?

Doesn't matter I'm afraid, especially if it is undiagnosed. An undiagnosed condition is unknown, and therefore it is unknown if it will impact on a pre existing, diagnosed condition.

Most travel insurance companies will offer cover for ALL medical conditions, or NO medical condition, regardless of any relation. It's medical cover. You wouldn't cover for 3 wheels of a car and not the 4th.

weejonnie

Here is one description to illustrate the limitations (other descriptions exist)

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Please note: If you are currently on waiting list for treatment or investigation our policy will NOT provide cover for cancellation and curtailment under the following circumstances:

• you receive an appointment for treatment or investigation which conflicts with your planned trip
• as a result of the awaited treatment or investigation you become unable to travel on your planned trip.

Being on a waiting list for treatment or investigation does not affect cover whilst you are away for medical conditions which you have declared to us. Should you become aware of a change in your diagnosis before you travel, please notify us immediately.
If you are awaiting an initial diagnosis for symptoms you are currently experiencing we are unable to provide cover until you have a confirmed diagnosis

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Some specialist insurers (All Clear, Goodtogo) may have wider cover.

CoffeeandStitches

weejonnie wrote: »

Some specialist insurers (All Clear, Goodtogo) may have wider cover.

Forgive me if I'm wrong, but I believe that the particular exert is actually from goodtogo Insurance.... I'm not sure they cover undiagnosed at all.

InsideInsurance

CoffeeandStitches wrote: »

Most travel insurance companies will offer cover for ALL medical conditions, or NO medical condition, regardless of any relation. It's medical cover. You wouldn't cover for 3 wheels of a car and not the 4th.

This is not true, there are certainly some that cover none but there are plenty that will consider some pre-existing conditions and not others. We have three policies from various bank accounts etc and all of them exclude one of my wifes and all offer one of her others ones for an additional premium with the option to accept or reject it.

CoffeeandStitches

InsideInsurance wrote: »

This is not true, there are certainly some that cover none but there are plenty that will consider some pre-existing conditions and not others. We have three policies from various bank accounts etc and all of them exclude one of my wifes and all offer one of her others ones for an additional premium with the option to accept or reject it.

Sorry, that's why I said most Maybe should have said some!!