Quizzes & Puzzles1 min ago
Do I declare.
My wife had a triple vascular by pass and a below knee amputation in September 2009.No further hospital visits or medication is taken.However she takes Gabapentim for Phantom pain.Travel insurance normally asks if there has been any hospital admittance or visits in the past 2 years to which the answer is no therefore is it necessary to declare the operation.
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For more on marking an answer as the "Best Answer", please visit our FAQ.You have to decare it because if you don't and there is a problem you are not insured. Failure to decare medical problems will make your insurance null and void . It is probable that if your wife needed treatment for something unrelated to the bypass the hospital would accsses her medical records and find the undeclared condition, or she would have to tell them about it when asked for her medical history. Either way the insurance would be void and you landed with a huge bill . Not declaring it is worse than not having insurance in the first place as you could be charged with fraud as well.
Mr BD has just been diagnosed with diabetes and, as we have annual travel insurance I rang them for advice and was charged only an extra £9.70 which was OK. While answering the questions over the phone I had a coughing fit and the lad at the other end mentioned it. I told him Iwas on a week of antibiotics and he charged me another £9.70. We have now received two letters from the company - one for Mr BD stating he is diabetic and one for me stating I have a cough. I was advised that any medication at all in the past two years has to be declared or your policy can be voided.
just thinking about it, you can usually ask for conditions or things that are related to that condition to be excluded, and the premium will go down, of course she wont be covered if anything happens that is related to that condition.
PS murray, a missing leg is not a condition, but whatever caused the leg to be amputated probably is
PS murray, a missing leg is not a condition, but whatever caused the leg to be amputated probably is
bednobs I thought of posting that they could insure for conditions not related to the bypass but it seems pointless as an insurance company could say virtually anything was related to get out of the claim.
dennis66, try shopping around like for car insurance, some companys are a lot cheaper than others for insurance when there are medical conditions. I have heard Age Concern do insurance on a 'not for profit' basis and it is available for anyone who is over 50 or with a partner over 50.
dennis66, try shopping around like for car insurance, some companys are a lot cheaper than others for insurance when there are medical conditions. I have heard Age Concern do insurance on a 'not for profit' basis and it is available for anyone who is over 50 or with a partner over 50.
Here Moneysupermarket do travel insurance searchs just like car insurance
http:// www.mon eysuper ...g-me dical-c onditio ns/
The other comparison sites like Go Compare do it as well, if you google it there are many specialist companies that will quote for pre existing medical condition travel insurance.
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The other comparison sites like Go Compare do it as well, if you google it there are many specialist companies that will quote for pre existing medical condition travel insurance.
Here is the link to the 'Age Concern' travel insurance I mentioned they are a charity and do it on a non profit basis , anyone over 50 is eligable.
http:// www.age uk.org. ...nce/ travel- insuran ce/
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