Do I declare.

[dennisb66]

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.

[EDDIE51]

Answer is simple, if it asks ''any hospital visits in the last 2 years'' you can truthfully say no, but you have to declare the medical history.

[EDDIE51]

Just to clarify YES you do have to declare the operation as it is a significant factor in her health as is the bypass and the medication.

[dennisb66]

Why is it necessary to declare it on the medical history when its over 2 years old and causing no further problems,hospital visits or taking any medication.(Just hopeing to save some cash as its cost a small fortune in last couple of years)As soon as you mention vascular the premiums go sky high.

[murraymints]

just answer what they ask...

[dennisb66]

"just answer what they ask"

Not that simple MM as it's the question that asks for Any medical conditions?

[murraymints]

Is a missing leg a condition ??..is pain releif treating a condition....i have head aches but would not consider it a condition !

[EDDIE51]

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.

[EDDIE51]

murrymints it is the bypass that we are talking about that is a major factor in her health insurance risk, the amputation is pretty obvious so can hardly not be mentioned also it is 'low risk' where the bypass makes her 'high risk' as seen by the 'sky high ' premiums mentioned.

[murraymints]

Id stay at home !!

[dennisb66]

Mmm I think the best bet is to discuss it with an insuranse company when renewal is due.many thanks for your input.

[bednobs]

of course you have to declare it when they ask you about medical conditions! Otherwise it's pretty pointless having insurance as it wont cover her for anything. the insurers charge a sky high premium because like it or not, your wife is more likely to make a claim than a healthy 18 year old

[BAKERS DOZEN]

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.

[bednobs]

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

[EDDIE51]

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.

[EDDIE51]

Here Moneysupermarket do travel insurance searchs just like car insurance
http://www.moneysuper...g-medical-conditions/
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.

[dennisb66]

Thanks guys for your comments and advice.

[EDDIE51]

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.ageuk.org....nce/travel-insurance/