travel insurance for medical conditions

beattiesman

took out an annual policy for me & my husband in may ,my husband has medical conditions which i declared .my problem know is one of his conditions was gall stones ,hes had them for 9 years with no problem till last week hes seen our doctor had a ultrasound & been advised to have gallbladder removed he is just waiting for a hospital appointment to see a specalist ,i understand i need to ring my current travel insurance up & explain the situation so he is still covered and im sure the price will go up ,what i was wondering was if its to expensive with them should i just take out another policy if i can get cover for him & would it cover the holiday i have already booked for october , we are both in our 70s ,i would keeep the exsiting policy for myself ,so only need one for him .

George_Michael

beattiesman wrote: »

what i was wondering was if its to expensive with them should i just take out another policy if i can get cover for him & would it cover the holiday i have already booked for october .

There is no reason why you couldn't take out another policy if it's cheaper but if you did this, it would be very unlikely to provide any cover for the October holiday for losses due to the gall stone problem as this is a pre-existing condition.

EssexExile

I've had gallstones for years with no problems but had to cancel last year's holiday because it suddenly got painful. I phoned the insurance company & they wouldn't cover me anymore, the choices were try to get insurance elsewhere (they offered names of companies) or cancel the holiday & claim. I was in so much pain that I cancelled & claimed.

I suppose the answer to your question depends on what you're quoted, go for whichever option is cheaper.

By the way, I hadn't told the insurance company about the pre-existing gallstones but they paid out with no fuss.

sheramber

You may find insurance will not cover him if awaiting a hospital appointment.