Pre bought insurance-just had TIA

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Johnjones7656
Johnjones7656 Posts: 87 Forumite
in Overseas holidays & travel planning
Hi there

I’ve got a holiday booked in August and bought travel insurance when I booked back in June. However I’ve just been diagnosed with having a TIA-I’ve been told I can fly but do I need to let them know? And will I have to pay more?

Thanks!

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  • Alfrescodave
    Alfrescodave Posts: 990 Forumite
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    Always best to let insurance company know of any medical changes. Will you have to pay more, don't know but insurance company will tell you.

    Better to be upfront now rather than be told later that you wren't covered and facing a huge medical bill. Peace of mind really.
  • bradders1983
    bradders1983 Posts: 5,684 Forumite
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    To save anyone else Googling it because I had no idea either.....A transient ischemic attack (TIA) is like a stroke, producing similar symptoms, but usually lasting only a few minutes and causing no permanent damage
  • Voyager2002
    Voyager2002 Posts: 15,284 Forumite
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    Alfrescodave wrote: »
    Always best to let insurance company know of any medical changes. Will you have to pay more, don't know but insurance company will tell you.

    Better to be upfront now rather than be told later that you wren't covered and facing a huge medical bill. Peace of mind really.


    I would check the policy carefully to see whether this is a requirement. If not, I would not tell them: I would hate to have them tell me to cancel the holiday when this is not medically necessary.
  • heatherw_01
    heatherw_01 Posts: 6,554 Ambassador
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    You should tell them.
    It is a mini stroke and you should tell your travel insurer.
    I’m a Forum Ambassador and I support the Forum Team on the Quick Grabbit, Freebies, Overseas Holidays & Travel Planning and the UK Holidays, Days Out & Entertainments boards.
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  • Alfrescodave
    Alfrescodave Posts: 990 Forumite
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    Voyager2002 wrote: »
    I would check the policy carefully to see whether this is a requirement. If not, I would not tell them: I would hate to have them tell me to cancel the holiday when this is not medically necessary.

    Not a good idea to try and second guess how an Insurance Co would respond AFTER a problem.

    Seem to remember an article this week in the paper that someone took out insurance including winter option, read the t+c's , had an accident with a snowmobile, £80,000 medical bill and rising and insurance co rejected his claim. If in doubt, ask the Ins Co otherwise you're taking an expensive gamble.
  • Ganga
    Ganga Posts: 4,158 Forumite
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    edited 18 July 2019 at 4:29PM
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    Johnjones7656 wrote: »
    Hi there

    I’ve got a holiday booked in August and bought travel insurance when I booked back in June. However I’ve just been diagnosed with having a TIA-I’ve been told I can fly but do I need to let them know? And will I have to pay more?

    Thanks!

    Just so you know it is not the end of the world to have a TIA ,i had one on holiday in 2016,managed to get home ok without medical care and after seeing doctor/specialist now take tablets for high blood pressure and high cholesteryl
    My holiday insurance did not go up that much and we still travel a lot,we have been to Eygpt three times this year already,it is not something that stops you enjoying life, just watch your weight and blood pressure.:T
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
  • Johnjones7656
    Johnjones7656 Posts: 87 Forumite
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    Thanks everyone!

    I don’t think I’ll need to cancel the holiday hopefully! I just thought the insurance has technically already started so it would be frustrating if they made me pay more!
  • EssexExile
    EssexExile Posts: 6,139 Forumite
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    Johnjones7656 wrote: »
    Thanks everyone!

    I don’t think I’ll need to cancel the holiday hopefully! I just thought the insurance has technically already started so it would be frustrating if they made me pay more!

    The insurance has already started but the terms & conditions will say that if there are any changes they need to be notified. They can then re assess the situation & either refuse cover (cancel & get your money back), agree to cover but charge more or just accept it with no additional fee.
    Tall, dark & handsome. Well two out of three ain't bad.
  • TELLIT01
    TELLIT01 Posts: 16,485 Forumite
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    The only way to know if the insurance company needs to be informed is either to read every paragraph of the policy document, or call them and ask.
  • Voyager2002
    Voyager2002 Posts: 15,284 Forumite
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    TELLIT01 wrote: »
    The only way to know if the insurance company needs to be informed is either to read every paragraph of the policy document, or call them and ask.


    And if you telephone it is unlikely that you will get hold of someone who knows what the policy says.Hence my suggestion.
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