Travel Insurance- Conditions or Symptoms?

bishbashbosh12345

Hi! Just wondering I have always had annual travel insurance with pre existing conditions. However I have only just realised I have only been putting down my main conditions and not all the symptoms that come with it. I have never had to claim before (thankfully!) but just curious as some of my symptoms can be classed as conditions themselves. If I was to declare my conditions plus all the symptoms it causes then id probably have a list of over 30 or so! On my NHS GP summary they list all conditions but also some symptoms too but not all. But just concerned as don’t ever want to be caught out that I haven’t declared anything and not be covered. So question is, do you just put your main conditions or symptoms also?

Example, I have a genetic disorder which causes issues with not only my bladder & bowels but also my joints but this can put in separately as well as my genetic disorder. Would my genetic disorder cover all my symptoms I get with it?

Also, curious as when using different sites, some ask for medical history for 5 years, others 2 years and even 12 months, so depending on which you use you could have less conditions listed? Thoughts?

Ayr_Rage

Just disclose diagnosed conditions and if you need screening then answer further questions.

beckstar1975

sounds like eds, I declare it plus the diagnosed impact (gut dysmotility, prolapse etc etc) in this case. I basically put anything Ive seen a Dr for, what they've told me and if Im signed off or not (ie still having treatment for it). Sadly, with eds everyone just shrugs their shoulders but can't actually do anything

MyRealNameToo

https://forums.moneysavingexpert.com/discussion/6687209/travel-insurance-conditions-or-symptoms

Ultimately you need to answer the questions asked honestly and completely, and certainly without second guessing them which too many people on here do.

If you have declared a condition I personally wouldnt then also be declaring the symptoms of the condition as its a duplication. I think things get a little more blurred if the symptoms are side effects of medication taken and moves to likely needing declaration if its secondary complications that arent directly caused by the first condition but make you more suspectable to.

My condition increases risks of strokes and heart attacks, were i to suffer either i would expect to declare them on top of the condition I have that makes me more suspectable to them.

luci

https://forums.moneysavingexpert.com/discussion/6687209/travel-insurance-conditions-or-symptoms

You need to answer exactly what is asked, not what you *think* they’re asking. The onus is on the insurer to ask the relevant questions and not on the insured to provide anything more.

I am very pedantic about travel insurance and declaring absolutely everything. Personally, I would only declare the condition. That should trigger additional questions regarding that condition.

My OH has high blood pressure and also takes statins. When I declare the HBP, the additional questions ask about cholesterol, so it doesn’t need declared as a separate condition. However, they are listed separately on the summary of declared PEMCs at the end.

I also have a brain condition that puts me at a higher risk of having a stroke, heart attack or dementia. I don’t take medication for it and it isn’t being monitored. However, when I declare it, and answer the additional questions, almost all insurers won’t even provide a quote. I have since found two that will, at a cost. I thought at one point that I wasn’t ever going abroad again and by that time, I didn’t care how much it cost.

Regarding timescale for declaring medical conditions, you only need to declare for anything you have been diagnosed with or received advice or treatment for (if that is the wording used) during the period stated. Some questions ask, “Have you EVER” and that means ever, even if it was more than say, 5 years ago.

The Nationwide FlexPlus account provides travel insurance. You can go through medical screening with them before deciding if the account is right for you. They only ask for conditions in the past 12 months. I did it a few months ago and they declined to quote. I tried again a few weeks ago and as my brain condition is not monitored, I don’t take medication for it and I haven’t seen a medical professional about it in the past 12 months, I didn’t need to declare it and I got a very reasonable additional premium.