Travel insurance pre existing medical

lisyloo

Many apologies
if you have disclosed then it’s up to you whether you want to exclude or not.

do be aware of the other costs involved as well as medical
e.g. Hotels for family, taxis for family to visit you, new flights for everyone (if you were seriously ill. This could all mount up to thousands.

also be aware (without knowing your condition) that a new condition could potential be related to your existing or make it worse or it could be not totally clear cut. This could make a claim complicated for example if they think your existing  condition has exacerbated the new one.

It really is up to you.
personally I tend to go for the expensive end with insurance as I can see the value but ultimately it’s a personal decision once you are informed of the cover you’ll be missing.

you are the expert about your condition.
l’ve declared my hypo thyroid but it hasn’t affected me for decades (and they don’t charge extra)
if your insurer is charging £50 then they will have some rationale for doing some and that’s usually based on claims experience. 

sheramber

One example given was if you had  high blood pressure but didn't declare it or had it excluded and you tripped or fell off the pavement and broke your ankle.

The insurance could say that it may have happened because your high blood pressure affected your balance at that moment. so this was a connected condition.

There would be no cover for treatment and possibly extra hotel bills for delayed return, or extra seat on the plane to accommodate a leg is plaster.

Obviously, it is up to you how much risk you want to take but nobody on here is going to advise you to take  risks.

Vegastare

I would still have it covered and included.  Some years ago  it was suggested to me.  I have asthma but had no problems and only one inhaler I used on occasion.  So I declared it but did not have it covered. Well there I was in Malta and three days in bad chest infection and asthma went haywire. 
Luckily staying with Maltese friends and still in EU and treatment etc was quick and think I spent a few pounds on medication.

I was lucky with the circumstances, but with my age now I would never do it.

oz0707

I've bought some from staysure today with the condition included. I started to read the t&c and it all sounds a load of rubbish anyway. 5k luggage cover but max 250 quid paid out if no receipts! How many keep receipts for clothes?! I resent the whole process but don't have the bandwidth to go through everything with a fine tooth comb. 

Vegastare

oz0707 said:

I've bought some from staysure today with the condition included. I started to read the t&c and it all sounds a load of rubbish anyway. 5k luggage cover but max 250 quid paid out if no receipts! How many keep receipts for clothes?! I resent the whole process but don't have the bandwidth to go through everything with a fine tooth comb. 

While I can partially agree with you regards your post above....there is the very unlikely accident which could see a person needing air transfer home which would cost thousand.  Sadly travel insurance is a case of grin and bare it.

michele-p

We have excluded one of my husbands conditions before when getting insurance, but it's always been declared with them, and then they gave the option to exclude. It was the only way we could get cover for our holiday this summer, as no where would cover him as the diagnosis hadn't been given, and we knew it would not be this condition that would require any cancellation or medical cover whilst away.  We still had insurance for everything else, and as it was declared but not covered, would not be voided if we claimed for anything else.

A few have mentioned, we have used Staysure now, and they seem very good with medical conditions. It was cheaper for me to take an annual policy for an upcoming solo ski trip than it was to cover for that trip only, so ask check that out too!

NoodleDoodleMan

"Firstly the condition is well controlled, secondly I am a citizen of the country we are travelling to, thirdly the country we are travelling to have a reciprocal agreement with NHS regarding medical care."

If you are not a UK citizen, then presumably you are entitled to state healthcare in your native country - therefore  reciprocal care arrangements are not relevant if/when you are there ?

MACKEM99

If it was me I would declare and pay the extra it's the right thing to do and whats £50 for peace of mind.

Indout96

Have you tried Staysure, they have been excellent for us and when we did claim paid out quickly and with no problems.

oz0707

NoodleDoodleMan said:

"Firstly the condition is well controlled, secondly I am a citizen of the country we are travelling to, thirdly the country we are travelling to have a reciprocal agreement with NHS regarding medical care."

If you are not a UK citizen, then presumably you are entitled to state healthcare in your native country - therefore  reciprocal care arrangements are not relevant if/when you are there ?

You can be dual citizen