Update holiday ins?

gunboat4

Hi. Took out holiday ins 4 months ago for trip in jan 2023. My son over the last few weeks has been to the dr and having tests to see if he has ibs or ibd possibly. Our insurance states we do not need to tell them of any changes if they occurred after policy was taken out… Only to tell them of changes when applying for a new policy in the future. Everybody seems to say you must update/ but it seems that’s not the case all the time? I was wondering if anyone can confirm this please.

marcia_

 If you have read your policy and it states you do not need to inform them you don't need to.

heatherw_01

I first read this as holiday inns  Silly me.

If your policy says you don't need to then you don't need to BUT saying that, it is very odd to say that they don't want to be informed of medical changes as all insurers want this as they often invalidate claims because people haven't told them about new conditions.

What does the section say in your terms? Just in case it could be misinterpreted. No offence intended, just wondered if it could be read wrong.

I find it baffling that they wouldn't want to be informed of new conditions.

You could tweet them perhaps to make sure but if it says for sure in your terms that you don't have to inform of any medical changes, then you don't. 

marcia_

  Thats what lots of posters state but thats the whole point of insurance. You insure and they take the risk that you may need to claim or get another medical condition. 

 The only time you would need to
inform them is if the start date of the insurance was after the date of the new condition arising. 

sheramber

marcia_ said:

  Thats what lots of posters state but thats the whole point of insurance. You insure and they take the risk that you may need to claim or get another medical condition. 

 The only time you would need to
inform them is if the start date of the insurance was after the date of the new condition arising. 

 Not what Staysure  , as one example, states 

You need to tell us about your pre-existing medical conditions when you take out your policy. This includes high blood pressure, diabetes, and cancer. This means you’ll be covered if you have a medical emergency relating to that condition.

Adding cover for your conditions is simple. You can do it online or by calling our UK Contact Centres. If anything changes between taking out your policy and going on holiday, you need to let us know, but you can also do this online.

NoodleDoodleMan

marcia_ said:

  Thats what lots of posters state but thats the whole point of insurance. You insure and they take the risk that you may need to claim or get another medical condition. 

 The only time you would need to
inform them is if the start date of the insurance was after the date of the new condition arising. 

I reckon travel insurers would disagree.

NoodleDoodleMan

gunboat4 said:

Hi. Took out holiday ins 4 months ago for trip in jan 2023. My son over the last few weeks has been to the dr and having tests to see if he has ibs or ibd possibly. Our insurance states we do not need to tell them of any changes if they occurred after policy was taken out… Only to tell them of changes when applying for a new policy in the future. Everybody seems to say you must update/ but it seems that’s not the case all the time? I was wondering if anyone can confirm this please.

Not sure what ibd is an abbreviation for - but if ibs is Irritable Bowel Syndrome it is highly unlikely to have any effect on your cover.

A call to your insurer will confirm.

marcia_

NoodleDoodleMan said:

marcia_ said:

  Thats what lots of posters state but thats the whole point of insurance. You insure and they take the risk that you may need to claim or get another medical condition. 

 The only time you would need to
inform them is if the start date of the insurance was after the date of the new condition arising. 

I reckon travel insurers would disagree.

 The previous poster mentions staysure who i insured with having pre existing conditions. I then got diagnosed with high blood pressure as well and was told by them when I phoned it wasn't relevant as my insurance was already running. 

NoodleDoodleMan

marcia_ said:

NoodleDoodleMan said:

marcia_ said:

  Thats what lots of posters state but thats the whole point of insurance. You insure and they take the risk that you may need to claim or get another medical condition. 

 The only time you would need to
inform them is if the start date of the insurance was after the date of the new condition arising. 

I reckon travel insurers would disagree.

 The previous poster mentions staysure who i insured with having pre existing conditions. I then got diagnosed with high blood pressure as well and was told by them when I phoned it wasn't relevant as my insurance was already running. 

I suspect that's because high blood pressure is not a condition that will effect travel insurance if diagnosed after the cover is taken out.

It still requires to be advised to the travel insurer though, as you have done.

sheramber

I had my blood pressure tablets changed, not because they weren’t working but as they were causing reflux. Travel insurance charged extra £50.

katejo

gunboat4 said:

Hi. Took out holiday ins 4 months ago for trip in jan 2023. My son over the last few weeks has been to the dr and having tests to see if he has ibs or ibd possibly. Our insurance states we do not need to tell them of any changes if they occurred after policy was taken out… Only to tell them of changes when applying for a new policy in the future. Everybody seems to say you must update/ but it seems that’s not the case all the time? I was wondering if anyone can confirm this please.

I have just bought a new policy this week. Mine definitely states that anything new after this must be declared. Someone asked the same insurer about new undiagnosed conditions on a FB discussion this week and was told that all cover on already confirmed/declared conditions would be cancelled/suspended so they wouldn't be able to travel.