Really confused about travel insurance and pre-existing conditions
samtheman1k
Posts: 473
Forumite
Hi, help please!
I'm trying to get travel insurance for a trip coming up soon. Others have recommended insureandgo, and the price is good. However, I have a pre-existing medical conditions from about 10 years ago, where a tendon had to be repaired and am fully recovered.
Going through the MSE guide for pre-existing conditions, it says that "If you have a pre-existing medical condition you did not tell the insurer about when you arranged cover, you won't be covered for any medical treatment you need while on holiday that's related to that condition. ALWAYS tell your insurer about any medical conditions".
Fair enough.
But when I try and book the insurance, the provider says "You must answer Yes to this question if anyone to be insured under this policy has: Any disease, illness or injury for which you or anyone else insured on this policy has:
So do I have to declare pre-existing conditions over 2 years or not?
I'm trying to get travel insurance for a trip coming up soon. Others have recommended insureandgo, and the price is good. However, I have a pre-existing medical conditions from about 10 years ago, where a tendon had to be repaired and am fully recovered.
Going through the MSE guide for pre-existing conditions, it says that "If you have a pre-existing medical condition you did not tell the insurer about when you arranged cover, you won't be covered for any medical treatment you need while on holiday that's related to that condition. ALWAYS tell your insurer about any medical conditions".
Fair enough.
But when I try and book the insurance, the provider says "You must answer Yes to this question if anyone to be insured under this policy has: Any disease, illness or injury for which you or anyone else insured on this policy has:
- Taken any prescribed medication or required medical treatment within the last two years;
- Consulted a medical practitioner and/or been registered as an in or out patient at a hospital, clinic or GP surgery in the last two years."
So do I have to declare pre-existing conditions over 2 years or not?
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Comments
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Nope no need to declare something older then 2 yrs unless it's ongoing1
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MSE is a general guide and how things typically work. Any company is perfectly entitled to deviate from the norm. Ultimately you should answer the questions asked as if you answer it how MSE says you should and that's wrong you can be damned sure they wont be paying your claim for you for their bad advice!1
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I don't see anything contradictory in the statements they are asking for information about events in the past 2 years. I had knee surgery 20 years ago but don't declare that. I do declare that I have arthritis and am awaiting surgery, and declare other medication I'm taking for high blood pressure.
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TELLIT01 said:I don't see anything contradictory in the statements
Random Insurer - declare anything in the last 2 years
MSE is clearly being more cautious, OP is trying to follow MSE's guideline but random insurer doesn't want to know about an injury 10 years ago0 -
marcia_ said:Nope no need to declare something older then 2 yrs unless it's ongoing
I just spoke to Staysure. Anything treated for or taking medications for in the last 2 years, must declare.
BUT also, anything regarding heart, hypertension, etc, AT ANY TIME IN THE PAST, you must declare
All explained on the Staysure website
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Yes kevinmoir, that is indeed correct.
The Staysure booklet says this.... on page 14
Pre-existing medical condition –
• any past or current medical condition that has given rise to symptoms, or for which any form of treatment, or prescribed medication, medical consultation, investigation, or follow-up/check-up, has been required, or received, during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and
• any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm, brain haemorrhage) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip
Note that the second half relates to any circulatory condition, including a LOW blood pressure diagnosis.
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Annemos said:Yes kevinmoir, that is indeed correct.
The Staysure booklet says this.... on page 14
Pre-existing medical condition –
• any past or current medical condition that has given rise to symptoms, or for which any form of treatment, or prescribed medication, medical consultation, investigation, or follow-up/check-up, has been required, or received, during the 2 years prior to the commencement of cover under this policy and/or prior to any trip: and
• any cardiovascular or circulatory condition (e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm, brain haemorrhage) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any trip
Note that the second half relates to any circulatory condition, including a LOW blood pressure diagnosis.0 -
Yes, no need to declare that tendon op with SS.
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