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  • FIRST POST
    • Johnjones7656
    • By Johnjones7656 18th Jul 19, 9:52 AM
    • 80Posts
    • 4Thanks
    Johnjones7656
    0 WOW
    Pre bought insurance-just had TIA
    • #1
    • 18th Jul 19, 9:52 AM
    0 WOW
    Pre bought insurance-just had TIA 18th Jul 19 at 9:52 AM
    Hi there

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

    Thanks!
Page 1
    • Alfrescodave
    • By Alfrescodave 18th Jul 19, 10:41 AM
    • 699 Posts
    • 417 Thanks
    Alfrescodave
    • #2
    • 18th Jul 19, 10:41 AM
    • #2
    • 18th Jul 19, 10:41 AM
    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
    • By bradders1983 18th Jul 19, 1:39 PM
    • 637 Posts
    • 451 Thanks
    bradders1983
    • #3
    • 18th Jul 19, 1:39 PM
    • #3
    • 18th Jul 19, 1:39 PM
    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
    • By Voyager2002 18th Jul 19, 2:21 PM
    • 13,235 Posts
    • 9,107 Thanks
    Voyager2002
    • #4
    • 18th Jul 19, 2:21 PM
    • #4
    • 18th Jul 19, 2:21 PM
    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.
    Originally posted by Alfrescodave

    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
    • By heatherw_01 18th Jul 19, 2:48 PM
    • 5,479 Posts
    • 3,924 Thanks
    heatherw_01
    • #5
    • 18th Jul 19, 2:48 PM
    • #5
    • 18th Jul 19, 2:48 PM
    You should tell them.
    It is a mini stroke and you should tell your travel insurer.
    I'm the Board Guide on Quick Grabbit, Freebies, Overseas Holidays & Travel Planning and the UK Holidays, Days Out & Entertainments boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Board guides are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
    • Alfrescodave
    • By Alfrescodave 18th Jul 19, 3:01 PM
    • 699 Posts
    • 417 Thanks
    Alfrescodave
    • #6
    • 18th Jul 19, 3:01 PM
    • #6
    • 18th Jul 19, 3:01 PM
    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.
    Originally posted by Voyager2002
    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
    • By Ganga 18th Jul 19, 3:24 PM
    • 1,677 Posts
    • 958 Thanks
    Ganga
    • #7
    • 18th Jul 19, 3:24 PM
    • #7
    • 18th Jul 19, 3:24 PM
    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!
    Originally posted by Johnjones7656
    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.
    Last edited by Ganga; 18-07-2019 at 3:29 PM. Reason: spelling
    ITS NOT EASY TO GET EVERYTHING WRONG ,I HAVE TO WORK HARD TO DO IT!
    • Johnjones7656
    • By Johnjones7656 18th Jul 19, 4:17 PM
    • 80 Posts
    • 4 Thanks
    Johnjones7656
    • #8
    • 18th Jul 19, 4:17 PM
    • #8
    • 18th Jul 19, 4:17 PM
    Thanks everyone!

    I donít think Iíll 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
    • By EssexExile 18th Jul 19, 9:24 PM
    • 3,852 Posts
    • 2,785 Thanks
    EssexExile
    • #9
    • 18th Jul 19, 9:24 PM
    • #9
    • 18th Jul 19, 9:24 PM
    Thanks everyone!

    I donít think Iíll 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!
    Originally posted by Johnjones7656
    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
    • By TELLIT01 18th Jul 19, 9:34 PM
    • 6,803 Posts
    • 7,455 Thanks
    TELLIT01
    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
    • By Voyager2002 18th Jul 19, 9:46 PM
    • 13,235 Posts
    • 9,107 Thanks
    Voyager2002
    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.
    Originally posted by TELLIT01

    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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