Confused about GP declaration on travel insurance

squ1rrel5 · 12 March 2018 at 9:01PM

We book annual travel insurance every year and have never been asked this question before so wondering if anyone can help.

All policies we are looking at are asking if we've been to the doctor at any point in the two years and received treatment.
Well yes we have, but literally for conjunctivitis, tonsillitis, a pulled back muscle and *whispers* thrush! We've been given antibiotics or cream but no ongoing treatment and just everyday viruses!

Do we really need to put this on a travel insurance application? None of them are serious illnesses or conditions or require ongoing help or treatment. But we also don't want to invalidate our insurance if we are expected to mention stuff like this?

katejo · 12 March 2018 at 10:10PM

squ1rrel5 wrote: »

We book annual travel insurance every year and have never been asked this question before so wondering if anyone can help.

All policies we are looking at are asking if we've been to the doctor at any point in the two years and received treatment.
Well yes we have, but literally for conjunctivitis, tonsillitis, a pulled back muscle and *whispers* thrush! We've been given antibiotics or cream but no ongoing treatment and just everyday viruses!

Do we really need to put this on a travel insurance application? None of them are serious illnesses or conditions or require ongoing help or treatment. But we also don't want to invalidate our insurance if we are expected to mention stuff like this?

You have to answer the specific questions. Personally I wouldn't use an insurer which made this requirement. Mine is with insure & Go which only requires specific categories of conditions to be declared plus any conditions requiring hospital referral in the last 2 years.

EssexExile · 12 March 2018 at 10:17PM

The only thing to do is answer the questions honestly.

PeacefulWaters · 13 March 2018 at 7:49AM

Do we really need to put this on a travel insurance application?

You can commit insurance fraud or choose another provider if you don't want to be honest.

Pollycat · 13 March 2018 at 8:23AM

squ1rrel5 wrote: »

We book annual travel insurance every year and have never been asked this question before so wondering if anyone can help.

All policies we are looking at are asking if we've been to the doctor at any point in the two years and received treatment.
Well yes we have, but literally for conjunctivitis, tonsillitis, a pulled back muscle and *whispers* thrush! We've been given antibiotics or cream but no ongoing treatment and just everyday viruses!

Do we really need to put this on a travel insurance application? None of them are serious illnesses or conditions or require ongoing help or treatment. But we also don't want to invalidate our insurance if we are expected to mention stuff like this?

If they ask for details and you don't provide them, you may as well not bother with insurance because if you have to claim and they find out that you've not provided what they've asked for, it will give them an opportunity to wriggle out of paying.

I'm pretty sure that when we got our annual policy we weren't asked this question.

onomatopoeia99 · 13 March 2018 at 10:28PM

The reason you are asked is probably to do with the change in the law to consumer contracts of insurance a couple of years back. Now insurers are obliged to ask about things that may affect risk when selling to a "consumer" rather than to a business. Prior to that, all insurance contracts were governed by the principle of uberrimae fidei ("utmost good faith") set down by Mansfield in the 1766 case Carter vs Boehm. That meant that either party was obliged to disclose factors that affect risk without being asked.

You must answer all questions asked by an insurer fully and honestly when forming a contract, there is absolutely no wiggle room.

Ganga · 14 March 2018 at 5:53PM

But do not most Travel Insurance Co.s only ask if you have had treatment/about to have treatment/visited a hospital/been seen by a specialist etc.Have never been asked if i/we have had tonsillitus or thrush

Confused about GP declaration on travel insurance

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