Medical History for Travel Insurance Quote

The_Cappuccino_Kid

Working through one of the price comparison sites i have reached

Medical History

Please add medical conditions for all travellers. Once you have added all conditions, you'll be able to compare quotes from providers who are able to offer cover based on the conditions you have added.

How much history is required? Common sense would tell me that current issues for which I am taking medication will count but not getting my appendix out 50 years ago. But what's the cut off point - I had a hip replacement 13 years ago - would that count?

Thank you

daveyjp

Its current medical issues which you are aware of and may require ongoing treatment.  Completed procedures where you have been discharged from care are not ongoing.

elsien

Once you get past the price comparison and onto the insurance website itself, they will tell you how many years they need to go back. 

TELLIT01

daveyjp said:

Its current medical issues which you are aware of and may require ongoing treatment.  Completed procedures where you have been discharged from care are not ongoing.

It's not that cut and dried.  I took out travel insurance after I had a hip replacement.  The operation was over a year before I took out insurance and I'd had my final appointment with the Consultant.  Hip replacement is not one of the 'conditions' that did not need to be declared and my premium was increased by £60.

Some policies ask if you have EVER suffered from x,y or z.  Others may limit it to anything in the past 5, 10 years.  It's vital you check the detail with the specific company.  Comparison sites aren't always totally reliable, although they are certainly a good start point.

LinLui

daveyjp said:

Its current medical issues which you are aware of and may require ongoing treatment.  Completed procedures where you have been discharged from care are not ongoing.

That's not the case. You need to declare what they ask for, and most sites provide details. My hip replacement is 9 years old and needs no tretament - it must be declared. My ankle sutgery is 8 years old - it must be declared even though there is no ongoing treatment. If in doubt, ask the insurer - failure to declare something that they later find out about, even unintentionally, can seriously screw with your claims.

marcia_

 You just answer the questions correctly. 

They will ask have you ever.....
 do you currently....
and have you in the last x years..... 

Seasalt3

Don't use the comparison sites.  Go straight to the travel insurance providers websites.  

TELLIT01

Seasalt3 said:

Don't use the comparison sites.  Go straight to the travel insurance providers websites.  

The only potential benefit I see of using comparison sites is that it may bring up companies you aren't aware of.  I definitely agree you should go direct to the provider when actually purchasing.

Aretnap

daveyjp said:

Its current medical issues which you are aware of and may require ongoing treatment.  Completed procedures where you have been discharged from care are not ongoing.

Just to reiterate, this is false. You need to answer the questions that the insurer asks - not the questions that you think they ought to ask. 

The questions will be different from insurer to insurer so there are no hard and fast rules about what you need to declare, but often you will be asked about anything you have had treatment for in the last couple of years (say), but also whether you have EVER been diagnosed with certain serious conditions (eg cancer, heart problems etc - usually the dirty if thing you're unlikely to forget about having had). You would still have to declare the latter set, even if they haven't required treatment for years - follow-up questions will include things like when you last be had treatment.

So do you have to declare your hip replacement from 13 years ago? It depends - what do the questions ask about surgery or osteoarthritis?

DullGreyGuy

The_Cappuccino_Kid said:

Working through one of the price comparison sites i have reached

Medical History

Please add medical conditions for all travellers. Once you have added all conditions, you'll be able to compare quotes from providers who are able to offer cover based on the conditions you have added.

How much history is required? Common sense would tell me that current issues for which I am taking medication will count but not getting my appendix out 50 years ago. But what's the cut off point - I had a hip replacement 13 years ago - would that count?

Thank you

Once you get past that it will give more explicit questions, normally insurers want to know about absolutely everything in the last X years and then only about more serious conditions that you've ever had like cancer, strokes, heart attacks etc. 

Dont try to apply common sense, just answer the questions asked. This site is littered with people that have tried to second guess what is being asked and then had claims declined when they failed to declare something 

percefal

I want to book Travel insurance for a week to cover cancellation, baggage loss etc but not to cover any outcome of any existing medical conditions. If i don’t declare them, does this invalidate any claim e.g for baggage loss?