Travel Insurance

Seasalt3

I've been researching quotes for travel insurance with pre existing medical conditions. Nothing serious just chronic managed conditions and minor ailments diagnosed in last 2 years.  Which is what they ask you to disclose.
 Some of the questions for disclosed conditions dont fit with the circumstances of the conditon and when contacting the providers they are unable to help and just say check with your GP.  It's so frustrating and added to this is the huge premiums for just a weeks holiday in Europe.

elsien

What they are interested in is what your medical record specifically shows. Because if you do make a claim, they will be contacting your GP to ask. 

So, in similar circumstances I contacted my GP practice, explained it was for travel insurance and asked exactly what my conditions had been written down on as because there were several different possibilities on the insurance form. 

marcia_

Staysure and the post office insurance ask what condition you have and I have multiple medical conditions which were listed. It then asks basic questions. Do you take medication , has i5 ever stop you travelling etc. 

DullGreyGuy

marcia_ said:

Staysure and the post office insurance ask what condition you have and I have multiple medical conditions which were listed. It then asks basic questions. Do you take medication , has i5 ever stop you travelling etc. 

Some questions can be more in depth and sometimes cannot be answered... I have a part of me missing, a birth defect. 99% of people that have it missing is because they've had a tumour and had it removed. Many insurers ask "have you had the tumour removed?" yes/no... I dont even have something to grow a tumour on let alone then have it removed but answering "no" would imply a tumour is still there, which it isn't. 

Others the screening is just silly... looking at PostOffice, it deals with my condition ok but if you are declaring a heart attack one of the questions is "have you had chest pains since the heart attack" and one of the options is "I've never had a heart attack"

TELLIT01

I don't understand your problem 'Have you had the tumour removed?' is a straightforward Y/N if you have previously answered Y to 'Have you ever had a tumour'.  I don't see the connection between that question and the fact that you were born with 'part of me missing'.  If it was never there it hasn't been removed.

DullGreyGuy

TELLIT01 said:

I don't understand your problem 'Have you had the tumour removed?' is a straightforward Y/N if you have previously answered Y to 'Have you ever had a tumour'.  I don't see the connection between that question and the fact that you were born with 'part of me missing'.  If it was never there it hasn't been removed.

It doesn't ask if I have ever had a tumour, it was the first question after declaring the condition. Spoke to one agent, a long time ago, and they more or less word for word said that until I can answer "yes" to the question they wouldn't insure me... a definite "computer says no" situation.