Travel insurance quotes without revealing medical conditions?

jhe

L&V are pretty straight forward for online quotes for my own pre-existing conditions maybe not the cheapest but we received excellent service when we made a claim
I know Post Office insurance will let you declare a condition then let u opt out of cover for it.

leylandsunaddict

The company I use, (and quite a few I've done dummy online quotes for), allow you to exclude a declared condition. Instead of endorsing your policy saying it's covered, they'll endorse it saying the cover was declined.

Just because they can't do anything for your back doesn't mean the condition shouldn't be declared. Anything in line with the medical questions asked should always be declared, and then declined if you choose to. The docs can't do anything to change the fact I've had malignant skin cancer, but I will have to declare it for as long as I want to buy insurance. It falls under the 'have you ever' category

Grumpelstiltskin

There's a thread here from Debt Free Wanabee board showing what can happen.


https://forums.moneysavingexpert.com/discussion/5224158

Pollycat

Grumpelstiltskin wrote: »

There's a thread here from Debt Free Wanabee board showing what can happen.

https://forums.moneysavingexpert.com/discussion/5224158

What a heart-breaking post.

The sad thing is it sounds like these people weren't aware that they should have declared a pre-existing condition.

OP:
You posted this in response to my post #5 about your whole policy possibly being invalid if you needed to claim for anything if you hadn't declared a medical condition - even if your claim had nothing to do with your condition:

fifitrix123 wrote: »

Yes this would be a problem I guess but there is nothing any docs can do for my back so I have been told so I don't see the point in paying £200-£300 extra for it. Maybe I need to check a lot more polices.

If you don't declare it you may as well not take any insurance out at all.

davetrousers

Might be worth investigating a Nationwide Flexplus account.

budgetflyer

Yes. A policy via a "packaged bank acc" may be the way to go.
With ours, via BOS, pre existing conditions are noted and excluded from cover, but the rest of the policy stands.

fifitrix123

Pollycat wrote: »

If you don't declare a medical condition and need to claim - for anything, not just something related to your undeclared condition - you may find that your policy is invalid.

A really bad idea to even consider this.

Thank you I will let them know.

fifitrix123

davetrousers wrote: »

Might be worth investigating a Nationwide Flexplus account.

Thank you but that only covers Europe and I am going to the USA hence the price of the cover shoots up even for a bad back!

fifitrix123

Thank you to everyone who replied and gave advice.
I am now going to declare everything... this could take a while....

davetrousers

davetrousers wrote: »

Might be worth investigating a Nationwide Flexplus account.

fifitrix123 wrote: »

Thank you but that only covers Europe and I am going to the USA hence the price of the cover shoots up even for a bad back!

FlexPlus is worldwide travel insurance

http://www.nationwide.co.uk/products/current-accounts/flexplus/insurances-and-benefits#xtab:worldwide-travel-insurance

In addition to mobile phone insurance, breakdown cover and other benefits.