Really confused about travel insurance and pre-existing conditions 27 May 2022 at 12:25PM in Insurance & life assurance 4 replies 112 views

samtheman1k

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:

• 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."

The two statement seem to directly contradict each other.  When I try to tell the insurer about the condition, and the date, it won't accept it as it's older than 2 years.  

So do I have to declare pre-existing conditions over 2 years or not?

marcia_

 Nope no need to declare something older then 2 yrs unless it's ongoing 

Sandtree

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!

TELLIT01

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.

Sandtree

TELLIT01 said:

I don't see anything contradictory in the statements

MSE - declare everything ever
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 ago