Travel Insurance

Mottie said:
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…..

View attachment 415407
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.
Click to expand...
Your like a library. Thank you x
 
motorbiking said:
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.
Click to expand...
Im going to get a blood test and full checkup.

Im healthier now than when I was in my 30s.

I still effectively have the cancer. But its in remission.

The first and last time I see the diabetes nurse , she was so impressed how Id got my blood sugar down with healthy lifestyle.

Same I suspect for the cholesterol.

Do these things hang regardless

My girls are covered by 5he Lloyd's insurance
 
The insurance industry has been under scrutiny in the past few years.
Now they can't decline a claim for unrelated matters to the claim.
Example: your flight is cancelled: your medical history has nothing to do with it.
In the past, as soon as you made a claim, some insurance companies (not all of them) would try to find something to get out of paying.
Not anymore.
This also applies to car insurance.
Let's say you have your car smashed whilst parked.
Your medical history would have no reason to come into play.
It is always advisable to disclose everything to insurance because if you have thrombosis and didn't disclose it and suffer a heart attack, your claim will be rejected.
 
A friend of ours (and his partner) lost their deposits on a big holiday they had planned last year when they had to cancel because he was diagnosed with cancer of the throat. Insurance co. refused to pay out because he hadn’t declared that he had visited his GP some weeks, maybe months before they booked the holiday, with a sore throat.
 
That sort of thing should be escalated / appealed.

His obligation is to disclose anything that may impact the risk, visiting the doctors with a sore throat, wouldn't lead the average person to suspect cancer. of course if he was referred, then that might be different.
 
motorbiking said:
That sort of thing should be escalated / appealed.

His obligation is to disclose anything that may impact the risk, visiting the doctors with a sore throat, wouldn't lead the average person to suspect cancer. of course if he was referred, then that might be different.
Click to expand...
Definately wasn’t referred at that point. I think it was a month or so later that he went back and was referred. Haven’t been out with him for a while so not sure whether he appealed or not but Mrs Mottie sees his partner a couple of times a week and she hasn’t mentioned anything about it. Anyway, after an intense bout of treatment both chemo and radio, he's on the mend and back in work so it’s the least of his problems.
 
You must log in or register to reply here.

Similar threads

E
Travel insurance declarations
2
Replies
18
Views
1K
Mottie
Mottie
A
****in insurance rant (yet again!)
Replies
5
Views
754
masona
M
M
travellers
2 3
Replies
35
Views
3K
Nige F
N
PrenticeBoyofDerry
Joke
Replies
4
Views
945
holmslaw
H
Harry Bloomfield
House insurance
2
Replies
18
Views
2K
Justin Passing
Justin Passing
Back
Top