Travel insurance - pre existing medical conditions

strawb_shortcake

I'm having a bit of a panic about travel insurance my Husband has been quite poorly this year so I've been thinking more about what I need to declare on my travel insurance.
I'm going away on my own for two weeks so looking for single cover, do I need to declare that I was off sick from work with stress? 18 years ago following a miscarriage and a close bereavement? I had an iron and B12 deficiency 3 years ago after trying to donate blood? I also had polycystic ovary syndrome prior to the birth of my eldest 16 years ago but recieve no medication or investigation for long time now.

I will ring round next week, but I was just hoping for some guidance to try and put my mind at rest, the questions on the insurance websites medical questionnaires don't really help

Thank you!

Enterprise_1701C

They normally ask have you attended the doctors etc within the last 3 or 5 years. So anything within that set time is what you need to declare, along with any medications you are currently on.

Be_Happy

A friend who travels with several medical conditions referred me to Explorer Travel Insurance. I have only a couple of minor conditions, but the quote I got (and have accepted) was much lower than any other company I tried.

I had to phone at one point to clarify something and used the online chat at the end to double check the quote. Both times were answered by very helpful people from Explorer.

I can't comment on their claim service, since never been used.

Remember, even though not travelling, your husband's medical conditions would be considered if you had to cancel because of them.

TLJ201

I'd check, I think explorer are handled by Tifgroup, there's a whole thread about them on here. If you need holiday insurance it's best to listen to the customers who have actually been through a claim rather than customers who are raving about low price and ease of purchase. Think about it anyone can sell you paper but if you're unlucky enough to need assistance and it doesn't materialise it's too late then. We used one of Tifgroups brands (there are loads of them including Holidaysafe which MSE used to promote but I think have quietly dropped) Correct me if I'm wrong. Unfortunately we needed help - it was a nightmare. I would suggest you take your time and research the companies. I wouldn't recommend anything that leads back there.

strawb_shortcake

Thank you, we put a claim in through tower group a few months back and they were great. I shall spend some time this week researching.
I'm not so worried about cancellation due to my Husbands illness or even having to fly home early it's more just making sure I'm covered if I was to find myself unwell on board and needing treatment

TripleH

Pre-existing medical conditions are (in my view) ones which could have an ongoing impact.

I don't mention that I had an operation for a sports injury years ago as it has minimal impact on my life. I do however mention I am epileptic (mild, yes but there is the potential to have another seizure however small).

It is all about statistical likelihood. If you have a long term illness that makes you more likely to require hospitsl treatment you need to declare this. The terms of the policy will usually tell you what you should be declaring

jaybeetoo

If your husband has been poorly, even though you are going away on your own, you may need to declare this. If he was ill before you went away or while you are away requiring you to cancel or curtail your holiday, I assume you would claim on the insurance. If you hadn’t told them the claim could be declined.

strawb_shortcake

Thank you all, I got a good deal today I guess.
On phoning them the only thing they would have been interested in was the iron deficiency but as it was over 2 years ago it didn't matter.
There were no questions about cancellation due to someone else being ill, should the worse happen and I either cancel or fly home early then I'm quite happy to suck up those costs.