Travel Insurance with Existing Medical Conditions

michaels

I get travel insurance with my bank account that covers winter sports but the excessive cost of adding existing conditions resulted in my buying an annual policy with conditions notified with another provider but this did not include winter sports.

I am now due to go snowboarding and was wondering whether because my existing conditions would not impact on the winter sports cover whether I could travel using the bank policy if I needed to make a winter sports related claim and the stand alone annual policy if I needed to make a claim that related to the pre-existing conditions?

Edit: The bank policy is nationwide flexplus which appears to suggest that a failure to declare a pre-existing condition only invalidates cover for problems arising from that condition rather than removing cover entirely.

flaneurs_lobster

Unless winter sports coverage is a separate product with its own terms I suspect that the bank's travel coverage (including winter sports) is dependent on you declaring existing conditions, regardless of these having no relevance to sliding downhill.

Brie

If you have 2 policies and anything happens you will need to notify them both and have the possibility of 2 excesses being deducted to get 50% compensation from each - even if there's something they won't cover. That's why we cancelled our bank policy as it wouldn't do anything for us for a lot of things but would still expect the excess paid.

NoodleDoodleMan

"Edit: The bank policy is nationwide flexplus which appears to suggest that a failure to declare a pre-existing condition only invalidates cover for problems arising from that condition rather than removing cover entirely."

I would be very wary of proceeding on that assumption.

Aviva are very good in my experience in answering any questions relevant to their FlexPlus policy coverage.

I expect you'll have their general enquiries 'phone number ? Just in case they are not handy - 0800 0512 532. Also seen 0800 046 2558 somewhere.

michaels

https://forums.moneysavingexpert.com/discussion/comment/81940163#Comment_81940163

There is a lot on the Nationwide website all similar to:

Here are the main exclusions.

• Pre-existing medical conditions that you haven’t told Aviva about. They have to agree to cover them. You will need to pay extra to cover some conditions.

IE pre existing conditions are not covered not you are not covered for anything at all if you have not declared pre-existing conditions

michaels

https://forums.moneysavingexpert.com/discussion/comment/81940590#Comment_81940590

thanks, I will call them to check my understanding.

Just as an example, my son is allergic to nuts and sesame. It is much cheaper to get 1 week cover for him declaring this than it is to get an add on for this to the nationwide annual policy, but not paying additional premium for this should not impact whether nationwide pays out should he get injured when snowboarding.

flaneurs_lobster

https://forums.moneysavingexpert.com/discussion/comment/81941473#Comment_81941473

Yes, that's fundamentally the issue that you need to verify - does an unrelated, undeclared pre-existing condition negate coverage.