Travel Insurance - Medical Condition that occurs after Insurance booked

AP2023

First time post - I am sure this question has been asked before, but can’t find a thread.

We have booked a holiday and an annual travel policy. A medical condition has now occurred, after the policy was booked, but before our holiday. The doctors say we are able to travel, however the insurance company want a significant additional premium to provide cover for this condition. This does not seem fair as the condition occurred after taking out the policy.

Anyone else had a similar issue?

Thanks.

Browntoa

Normally in the small print, you must notify them of any changes to your medical history 

AP2023

Hi, thanks for the response, it does state that you have to update them with changes, which I have done. My issue is that they have now quadrupled the cost of the policy! This does not seem fair as the condition occurred after the policy was taken out.

Hoenir

What's the cost to the insurer if local medical treatment is required or repatriation required.  Whilst you may consider the premium expensive how much is the piece of mind worth.   A few hundred pounds in premium is covering potentially many thousands. 

silvercar

AP2023 said:

First time post - I am sure this question has been asked before, but can’t find a thread.

We have booked a holiday and an annual travel policy. A medical condition has now occurred, after the policy was booked, but before our holiday. The doctors say we are able to travel, however the insurance company want a significant additional premium to provide cover for this condition. This does not seem fair as the condition occurred after taking out the policy.

Anyone else had a similar issue?

Thanks.

I thought the rules are that either they insure you for free or they pay your cancellation charges.

elsien

AP2023 said:

First time post - I am sure this question has been asked before, but can’t find a thread.

We have booked a holiday and an annual travel policy. A medical condition has now occurred, after the policy was booked, but before our holiday. The doctors say we are able to travel, however the insurance company want a significant additional premium to provide cover for this condition. This does not seem fair as the condition occurred after taking out the policy.

Anyone else had a similar issue?

Thanks.

Yes me. Except in my case because there wasn’t a confirmed diagnosis at that point, they declined to cover the condition or anything that could be in any way related whether directly or indirectly. 
They  are at least offering you cover, even if at a price. Worst case scenario would be that they refused to continue to ensure leaving you to try and find cover elsewhere.

sheramber

The new medical condition means the insurance company now do new risk assessment  for your policy.

You pay the increased cost or see if you can get insurance cheaper elsewhere.

Last resort you cancel the holiday and claim any unrecoverable costs from the insurer.

katejo

AP2023 said:

First time post - I am sure this question has been asked before, but can’t find a thread.

We have booked a holiday and an annual travel policy. A medical condition has now occurred, after the policy was booked, but before our holiday. The doctors say we are able to travel, however the insurance company want a significant additional premium to provide cover for this condition. This does not seem fair as the condition occurred after taking out the policy.

Anyone else had a similar issue?

Thanks.

It is usual to have to declare any new conditions and the insurer reserves the right to charge extra for the current booking or to charge a supplement for any future booking during the year of the policy.

katejo

elsien said:

AP2023 said:

First time post - I am sure this question has been asked before, but can’t find a thread.

We have booked a holiday and an annual travel policy. A medical condition has now occurred, after the policy was booked, but before our holiday. The doctors say we are able to travel, however the insurance company want a significant additional premium to provide cover for this condition. This does not seem fair as the condition occurred after taking out the policy.

Anyone else had a similar issue?

Thanks.

Yes me. Except in my case because there wasn’t a confirmed diagnosis at that point, they declined to cover the condition or anything that could be in any way related whether directly or indirectly. 
They  are at least offering you cover, even if at a price. Worst case scenario would be that they refused to continue to ensure leaving you to try and find cover elsewhere.

In that situation, my usual insurer refuses to cover ANY pre existing condition at all until you have a diagnosis. 

DullGreyGuy

You say its an annual policy not single trip to the additional premium is for all future travel in the year inc things potentially not booked yet