Travel Insurance

[Elsa TLC]

Ive got Lloyd's travel insurance. I called them up today to be sure my girls are covered.

She said thst I have to declare anything healthwise within the last 6 months.

She mentioned cholesterol. Ive had a pharmacist call me to say I have cholesterol. I need to go on Statins.

I never took the offer up.

If I dont declare that its possible thst I have
Cholesterol is my null and void, even if I get bit by a wolf ?

 

[foxhole]

Everyone has Cholesterol .Where are are you going to get bitten by wolves?

 

[Mottie]

She said thst I have to declare anything healthwise within the last 6 months.

You’ve answered your own question.

You could tell them you are in your 30’s, no health problems and you are as fit as a fiddle and they’d take your money and issue your insurance. If you are unfortunate enough to have to make a claim, that’s where they will look into everything and you will come unstuck.

Just answer the question truthfully.

 

[Old Salt]

I just took out some cover for a short trip to France. Cholesterol probably wont kick the premium up by much anyway. Cholesterol depends on the numbers and type so worth getting your test results to see the actual figures.

Dont be stranded abroad because of a false declaration.

 

[aveatry]

Don't ask me about travel insurance - you are looking at the man who thought he would save some money by buying a years cover in April 2020

 

[morqthana]

Everyone has Cholesterol .Where are are you going to get bitten by wolves?

If he's to be bitten, on a lower limb would be best.

 

[morqthana]

Ive had a pharmacist call me to say I have cholesterol.

Did you have the blood test done there?

If not WTF is a doctor doing sharing your medical results with a pharmacist?

Or did you have the test at the doctor, and they sent a prescription to your nominated pharmacy, and what the pharmacist was trying to say was that the doctor had prescribed statins (which only have 1 use) and it was ready for collection?

 

[big-all]

Ive got Lloyd's travel insurance. I called them up today to be sure my girls are covered.

She said thst I have to declare anything healthwise within the last 6 months.

She mentioned cholesterol. Ive had a pharmacist call me to say I have cholesterol. I need to go on Statins.

I never took the offer up.

If I dont declare that its possible thst I have
Cholesterol is my null and void, even if I get bit by a wolf ?

does the pharmacist have permitted access to your health record or a test you took giving him/them permission ?

i was offered and started statins a year ago as a precaution even though my high cholesterol are on the low to normal range it just seems to be a new idea

 

[Diver Fred]

I get my travel insurance through a specialist company, provided I pass the sport diving medical* I'm completely covered at a lower cost than through a general travel insurance company.

* I have (late onset) Asthma and once had high Cholesterol - when you have a blood test it's always a 'staving' one if don't want to be recorded as having high Cholesterol - that I was told by a haematologist.

 

[Elsa TLC]

You’ve answered your own question.

You could tell them you are in your 30’s, no health problems and you are as fit as a fiddle and they’d take your money and issue your insurance. If you are unfortunate enough to have to make a claim, that’s where they will look into everything and you will come unstuck.

Just answer the question truthfully.

It lloyds platinum insurance. Its automatic cover. They dont ask questions generally.
I just called them to be sure my girls are covered.

Where do I stop.
I have cancer thats under control
I have type 2 diabetes thats under control
The liver has recovered from Jaundice. I couldn't say 100%

Im a very healthy 59 year old.

 

[Elsa TLC]

Everyone has Cholesterol .Where are are you going to get bitten by wolves?

Montenegro

 

[motorbiking]

You are better off buying the girls single trip cover, it will cost about 5-20 quid.

Regarding your cover, you need to get specialist existing conditions cover.

My Insurance jumped from £30 to £200 due to the ESI for my back, even though I am fully recovered, it was classed as outpatient surgery. There is no point having it if its not worth anything.

 

[Mottie]

If I dont declare that its possible thst I have
Cholesterol is my null and void, even if I get bit by a wolf ?

According to your Lloyds policy, you've no need to tell them as it’s on their 'No screen medical conditions list’. There’s no need to tell them about your PMT either if it’s your time of the month…..

I closed my Nationwide account with packaged travel insurance (£18 per month) as with my high cholesterol and blood pressure plus active surveillance on my prostate plus Mrs Motties mild asthma, I was having to pay a top up of £180 a year. I just get single trip insurance nowdays.

 

[Koolpc]

I had to declare my distemper once...

 

[noseall]

I was sent an alert recently from Nationwide, telling customers to update their pre-existing conditions status.