1. This site uses cookies. By continuing to use this site, you are agreeing to our use of cookies. Learn More.
Dismiss Notice
Hey Guest, we are running a Photoshop competition with a 32" monitor as the first prize - See here for details.

Travel insurance and medical conditions

Discussion in 'General Discussion' started by robj20, Feb 11, 2019.

  1. robj20

    Soldato

    Joined: Apr 9, 2007

    Posts: 7,093

    Location: Manchester

    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.
     
  2. Destination

    Capodecina

    Joined: May 31, 2009

    Posts: 18,863

    Generally yes, but I’d be thinking of making a call to verify that this the case so you donkt get screwed over later.
     
  3. Maundie

    Wise Guy

    Joined: Oct 20, 2010

    Posts: 2,143

    Always best to ring and confirm, last thing you want is to be away before you find out you're not covered.
     
  4. Burnsy2023

    Man of Honour

    Joined: Nov 17, 2003

    Posts: 36,115

    Location: Southampton, UK

    I read my insurance T&Cs and they wanted conditions that had been treated in the last 2 years.
     
  5. booyaka

    Capodecina

    Joined: Jan 19, 2006

    Posts: 12,193

    Always speak to the provider first - don't assume anything. Some are 2 years, some are 5 years. everyone has different T&C's
     
  6. robj20

    Soldato

    Joined: Apr 9, 2007

    Posts: 7,093

    Location: Manchester

    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.
     
  7. -westy-

    Capodecina

    Joined: Nov 7, 2002

    Posts: 12,177

    Location: UK

    Definitely call and check and get any confirmation in writing.
     
  8. Terminal_Boy

    Soldato

    Joined: Apr 13, 2013

    Posts: 5,973

    Location: La France

    Ask the insurance providers directly. As my 90 year-old in-laws can get insured with existing medical conditions, I’m sure the OP can find an insurer that will cover his kid.
     
  9. labcoattech

    Gangster

    Joined: Dec 1, 2010

    Posts: 380

    Location: Nottingham

  10. Maundie

    Wise Guy

    Joined: Oct 20, 2010

    Posts: 2,143

    And also the please everyone give us money link, honestly drives me mad nowdays with everyone adding the gofundme pages to everything.
     
  11. labcoattech

    Gangster

    Joined: Dec 1, 2010

    Posts: 380

    Location: Nottingham

    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?
     
  12. booyaka

    Capodecina

    Joined: Jan 19, 2006

    Posts: 12,193

    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.
     
  13. Semple

    Mobster

    Joined: Mar 5, 2010

    Posts: 4,814

    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.
     
  14. Jean-F

    Wise Guy

    Joined: Apr 14, 2017

    Posts: 1,234

    Location: London

    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.
     
  15. Werewolf

    Commissario

    Joined: Oct 17, 2002

    Posts: 27,243

    Location: Panting like a fiend

    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).
     
  16. robj20

    Soldato

    Joined: Apr 9, 2007

    Posts: 7,093

    Location: Manchester

    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.
     
  17. -westy-

    Capodecina

    Joined: Nov 7, 2002

    Posts: 12,177

    Location: UK

    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.
     
  18. Uther

    Sgarrista

    Joined: Jun 16, 2005

    Posts: 9,008

    I know with my condition my travel insurance now costs for a week what it used to cost for a year. Fun times.