Staysure - Highly Intrusive

Ice9

Having set up Travel Insurance last year, Staysure requested an update of medical conditions 6 mths later. I called regarding a minor treatment for myself and mentioned my husband and I had both been to physio for muscle strains. They insisted we both call our GP to find out exactly what the physio had told our GP and was on our records. They also said if our GP medical records do not exactly match theirs, then our insurance will likely be void. So note that after EVERY GP, nurse, physio visit etc. you will have to phone Staysure and report to them every detail, or the threat is your insurance is void. I was quoted that we need to tell them if we have a flu jab!! They imply, though won't EVER state outright that failure to mention a resolved muscle strain in the last 2 years for example, will lead to them not paying for, say, a delayed flight or lost luggage. This is time consuming, highly intrusive and stressful as well as a waste of time for our GPs. Be warned and avoid.

dunstonh

They imply, though won't EVER state outright that failure to mention a resolved muscle strain in the last 2 years for example, will lead to them not paying for, say, a delayed flight or lost luggage.

Is that your interpretation of what you think they are saying or have they actually put that in writing to you? The reason I ask is that the FOS do not accept that position. Only if the non-disclosure would have resorted in you never being offered cover in the first place can that be applied.

This is time consuming, highly intrusive and stressful as well as a waste of time for our GPs.

GPs dont mind. Its a good earner for them.

InsideInsurance

The exact level of disclosure required by insurers does vary but so does the level of cover provided for pre-existing conditions. Most will have a question similar to:

Have you or any travellers received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease within the last 12/ 24 months?

If you are having physio then presumably you have had an injury and so would have to answer yes and that triggers the medical screening questions.

Failure to declare something and its impact on claims will depend on if the insurer believes the failure to declare was accidental or intentional. Did you forget you are diabetic or did you intentionally lie saying you arent?

There are insurers that simply dont cover pre-existing conditions and operate a reimbursement model so dont bother asking any questions up front but there is a much higher risk that you have an incident whilst abroad and they decide it is related to another condition and so decline to reimburse you.

I'd have a guess at in your case the fact you dont have a clear diagnosis and thus this causes problems hence them wanting more information to decide if they are prepared to offer cover or not.

gycraig_2

If you had physio you have had treatment they mean every new case I believe.
They will have a terns and conditions and procedure to follow, they wouldn't have the staff to note down every mm of every customers doctors history. They will have certain triggers like NEW treatment or new medication.

Having worked in insurance a customer can be having meds for high blood pressure but not feel the need to tell you it's caused by a heart attack.