Travel insurance and medical conditions

Soldato
Joined
9 Apr 2007
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Am i right in thinking that you only declare conditions that are ongoing and not such things that are over and done with.

Baby had PPHN (Persistent pulmonary hypertension of the newborn) and a Intraparenchymal Hemorrhage and it doesn't even show up in the lists.
 
Soldato
OP
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Well his treatment was all a year ago.
Annoying that none of the comparison sites recognise the conditions.
Start with phoning the post office there normally reasonable priced.
 
Soldato
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20 Oct 2010
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And also the please everyone give us money link, honestly drives me mad nowdays with everyone adding the gofundme pages to everything.
 
Soldato
Joined
19 Jan 2006
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15,940
I think the small amount of donations they have are from family / friends, if she notified the insurers of her medical condition by how much would have the premiums increased?

This is the point - she wasn't truthful/clear about her medical conditions thus they won't cover it. It's barely a news story as any application for life cover/critical illness/travel insurance etc will not cover you if you are not honest, open and clear about your medical history. Sounds harsh but no sympathy at all for people that basically lie about these things.
 
Soldato
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These types of stories do annoy me. Everyone should know by now that travel insurance is compulsory when travelling unless you're some millionaire who could afford the large medical bills. Even more imperative is ensuring you've declared everything that needs to be declared. I suspect she'd have seen how much extra the insurance would have cost and decided to take the risk.
 
Man of Honour
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Was a story in the news the other day of a lady who didn't declare a medical condition, she fell ill on holiday and now the insurance company a refusing to pay out.

https://www.mirror.co.uk/news/uk-news/mum-desperate-after-insurer-refuses-13981355

I am an eternal cynic when it comes to holiday insurance, you could disclose your heart attack of 30 years ago, the 2 meds you take to keep your blood pressure in the right range, your Type 2 diabetes, for which you’re not on insulin, and the statin that you take to keep your low cholesterol staying low, then unfortunately break your arm in an accident on holiday, only to be probably told that you’re not covered, because you failed to disclose getting a corn on your little toe 3 years back.
 
Commissario
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Panting like a fiend
I am an eternal cynic when it comes to holiday insurance, you could disclose your heart attack of 30 years ago, the 2 meds you take to keep your blood pressure in the right range, your Type 2 diabetes, for which you’re not on insulin, and the statin that you take to keep your low cholesterol staying low, then unfortunately break your arm in an accident on holiday, only to be probably told that you’re not covered, because you failed to disclose getting a corn on your little toe 3 years back.
Fortunately UK insurance tends to be a bit more regulated, but I've heard stories of people in the US getting claims denied because of things like false positives (or even hospital mistakes) for cancer tests years previously (IE the hospital makes a mistake and says you possibly have a form of cancer, it's then sorted out and you are given the all clear, ten years down the line you have a completely different cancer and the insurer denies the claim because you didn't tell them of the old mistaken diagnosis).
 
Soldato
OP
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13,456
I am an eternal cynic when it comes to holiday insurance, you could disclose your heart attack of 30 years ago, the 2 meds you take to keep your blood pressure in the right range, your Type 2 diabetes, for which you’re not on insulin, and the statin that you take to keep your low cholesterol staying low, then unfortunately break your arm in an accident on holiday, only to be probably told that you’re not covered, because you failed to disclose getting a corn on your little toe 3 years back.

That's part of my worry. My son's medical history is extremely complex. Short of getting his consultant to arrange the insurance I don't know how we would cover everything.

I mean do you disclose a broken leg two years ago. Or the dental surgery you had.
 
Soldato
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Snorbans, UK
That's part of my worry. My son's medical history is extremely complex. Short of getting his consultant to arrange the insurance I don't know how we would cover everything.

I mean do you disclose a broken leg two years ago. Or the dental surgery you had.

I would image that with a case like your son's, I would find a specialist that you can meet with in person and discuss it all - with a complete copy of his medical files. That way, the appropriate cover can be arranged. However, this will come at a cost unfortunately.
 
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