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Pre bought insurance-just had TIA

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Johnjones7656Johnjones7656 Forumite
87 posts
Hi there

I’ve got a holiday booked in August and bought travel insurance when I booked back in June. However I’ve just been diagnosed with having a TIA-I’ve been told I can fly but do I need to let them know? And will I have to pay more?

Thanks!

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  • AlfrescodaveAlfrescodave Forumite
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    Always best to let insurance company know of any medical changes. Will you have to pay more, don't know but insurance company will tell you.

    Better to be upfront now rather than be told later that you wren't covered and facing a huge medical bill. Peace of mind really.
  • bradders1983bradders1983 Forumite
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    To save anyone else Googling it because I had no idea either.....A transient ischemic attack (TIA) is like a stroke, producing similar symptoms, but usually lasting only a few minutes and causing no permanent damage
  • Voyager2002Voyager2002 Forumite
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    Always best to let insurance company know of any medical changes. Will you have to pay more, don't know but insurance company will tell you.

    Better to be upfront now rather than be told later that you wren't covered and facing a huge medical bill. Peace of mind really.


    I would check the policy carefully to see whether this is a requirement. If not, I would not tell them: I would hate to have them tell me to cancel the holiday when this is not medically necessary.
  • heatherw_01heatherw_01 Forumite, Board Guide
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    You should tell them.
    It is a mini stroke and you should tell your travel insurer.
    I'm the Board Guide on Quick Grabbit, Freebies, Overseas Holidays & Travel Planning and the UK Holidays, Days Out & Entertainments boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected] (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • AlfrescodaveAlfrescodave Forumite
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    I would check the policy carefully to see whether this is a requirement. If not, I would not tell them: I would hate to have them tell me to cancel the holiday when this is not medically necessary.

    Not a good idea to try and second guess how an Insurance Co would respond AFTER a problem.

    Seem to remember an article this week in the paper that someone took out insurance including winter option, read the t+c's , had an accident with a snowmobile, £80,000 medical bill and rising and insurance co rejected his claim. If in doubt, ask the Ins Co otherwise you're taking an expensive gamble.
  • edited 18 July 2019 at 4:29PM
    GangaGanga Forumite
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    edited 18 July 2019 at 4:29PM
    Hi there

    I’ve got a holiday booked in August and bought travel insurance when I booked back in June. However I’ve just been diagnosed with having a TIA-I’ve been told I can fly but do I need to let them know? And will I have to pay more?

    Thanks!

    Just so you know it is not the end of the world to have a TIA ,i had one on holiday in 2016,managed to get home ok without medical care and after seeing doctor/specialist now take tablets for high blood pressure and high cholesteryl
    My holiday insurance did not go up that much and we still travel a lot,we have been to Eygpt three times this year already,it is not something that stops you enjoying life, just watch your weight and blood pressure.:T
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
  • Thanks everyone!

    I don’t think I’ll need to cancel the holiday hopefully! I just thought the insurance has technically already started so it would be frustrating if they made me pay more!
  • EssexExileEssexExile Forumite
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    Thanks everyone!

    I don’t think I’ll need to cancel the holiday hopefully! I just thought the insurance has technically already started so it would be frustrating if they made me pay more!

    The insurance has already started but the terms & conditions will say that if there are any changes they need to be notified. They can then re assess the situation & either refuse cover (cancel & get your money back), agree to cover but charge more or just accept it with no additional fee.
    Tall, dark & handsome. Well two out of three ain't bad.
  • TELLIT01TELLIT01 Forumite
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    The only way to know if the insurance company needs to be informed is either to read every paragraph of the policy document, or call them and ask.
  • Voyager2002Voyager2002 Forumite
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    TELLIT01 wrote: »
    The only way to know if the insurance company needs to be informed is either to read every paragraph of the policy document, or call them and ask.


    And if you telephone it is unlikely that you will get hold of someone who knows what the policy says.Hence my suggestion.
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