Travel Insurance

Becles

Just a query as I'm worrying about something.

I have free annual travel insurance through a Nationwide current account. I've also suffered from IBS for years. Nationwide know this and there were no extra charges payable.

I've been poorly lately and have been referred to a consultant at the hospital. He wants to do a colonoscpy as he thinks I might have ulcerative colitis now.

At what point do I tell the travel insurance? Will they likely charge me fees if it is ulcerative colitis?

I'm due to travel at the end of December, so want to make sure I'm covered in case the worst happens and we can't go.

silvercar

Try posting in the insurance section of MSE, there are some experts on this over there.

If you take out an annual insurance policy the following is my understanding:

It depends when your insurance year begins. If you suffer something after you have taken insurance but before your holiday starts then you tell your insurer and they either accept the risk and cover you or they refuse to insure you to travel and refund you the cost of the holiday. (They may be happy with a doctor's letter saying you are fit to travel.)


If your annual insurance year hadn't already begun when you became ill then you have to declare this as a pre-existing medical condition. The insurer can then choose, to offer you insurance possibly at a higher rate, to offer you insurance with related conditions excluded or to not offer you insurance.

Your situation is more complicated by your insurance being tied to your bank account. So I don't know how the policy start date is established.