Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@. Skimlinks & other affiliated links are turned on

Search
  • FIRST POST
    • squ1rrel5
    • By squ1rrel5 12th Mar 18, 8:01 PM
    • 770Posts
    • 3,908Thanks
    squ1rrel5
    0 WOW
    Confused about GP declaration on travel insurance
    • #1
    • 12th Mar 18, 8:01 PM
    0 WOW
    Confused about GP declaration on travel insurance 12th Mar 18 at 8:01 PM
    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?
    MRS Squ1rrel5

    Baby Squ1rrel5 arrived in the nest March 2014
Page 1
    • katejo
    • By katejo 12th Mar 18, 9:10 PM
    • 3,068 Posts
    • 1,178 Thanks
    katejo
    • #2
    • 12th Mar 18, 9:10 PM
    • #2
    • 12th Mar 18, 9:10 PM
    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?
    Originally posted by squ1rrel5
    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
    • By EssexExile 12th Mar 18, 9:17 PM
    • 2,815 Posts
    • 1,958 Thanks
    EssexExile
    • #3
    • 12th Mar 18, 9:17 PM
    • #3
    • 12th Mar 18, 9:17 PM
    The only thing to do is answer the questions honestly.
    Tall, dark & handsome. Well two out of three ain't bad.
    • PeacefulWaters
    • By PeacefulWaters 13th Mar 18, 6:49 AM
    • 8,320 Posts
    • 10,637 Thanks
    PeacefulWaters
    • #4
    • 13th Mar 18, 6:49 AM
    • #4
    • 13th Mar 18, 6:49 AM
    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
    • By Pollycat 13th Mar 18, 7:23 AM
    • 20,011 Posts
    • 53,706 Thanks
    Pollycat
    • #5
    • 13th Mar 18, 7:23 AM
    • #5
    • 13th Mar 18, 7:23 AM
    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?
    Originally posted by squ1rrel5
    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
    • By onomatopoeia99 13th Mar 18, 9:28 PM
    • 4,176 Posts
    • 9,381 Thanks
    onomatopoeia99
    • #6
    • 13th Mar 18, 9:28 PM
    • #6
    • 13th Mar 18, 9:28 PM
    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.
    INTP, nerd, libertarian and scifi geek.
    Home is where my books are.
    • Ganga
    • By Ganga 14th Mar 18, 4:53 PM
    • 1,084 Posts
    • 556 Thanks
    Ganga
    • #7
    • 14th Mar 18, 4:53 PM
    • #7
    • 14th Mar 18, 4:53 PM
    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
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

2,217Posts Today

8,439Users online

Martin's Twitter
  • It's the start of mini MSE's half term. In order to be the best daddy possible, Im stopping work and going off line? https://t.co/kwjvtd75YU

  • RT @shellsince1982: @MartinSLewis thanx to your email I have just saved myself £222 by taking a SIM only deal for £7.50 a month and keeping?

  • Today's Friday twitter poll: An important question, building on yesterday's important discussions: Which is the best bit of the pizza...

  • Follow Martin