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AIBU?

to be hacked off with my insurance company?

4 replies

clam · 30/04/2013 21:23

I broke my leg over 4 months ago. Apparently, even once the leg is totally and completely mended, it will still count as a 'pre-existing condition' for ever and ever, meaning that I will always have to take out specific one-trip insurance to cover any complications (I suppose my fear is DVT).
Is this normal? Or do I have any options? I'm assuming that if I shop around for another company, they'll say the same thing.

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Sirzy · 30/04/2013 21:25

Surely it only classes as a pre existing condition if it is causing any long term problems? I have never even thought to mention broken bones when applying for travel insurance all are so long ago I couldn't remember any details!

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overprotection · 30/04/2013 21:29

Are you sure this isn't just some bollocks spouted by a badly trained call centre person? Healed legs aren't on the list of pre-existing conditions you need special insurance for as far as I can see.

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Spuderoonerism · 30/04/2013 22:40

That does indeed sound like call centre bollocks! Typically in my experience travel insurance cares about hospital admissions/treatment within say 3 or 4 years but after that if it's completely resolved (which your bog-standard broken leg would be) it doesn't matter.

If we're going to play 'travel insurance call centre bollocks' I'll see you that though and raise you the one who once we'd listed surgery in the previous year (DH having the snip) dutifully read out 'and what were the symptoms which gave rise to the need for the surgery'. My answer of 'umm we love DS but one's enough' confused the hell out of her

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clam · 30/04/2013 23:09

Well, it's not technically a bog-standard break. I had to have surgery and pins, rods and plates inserted. But I still don't see why they're being such bastards about it. She did go away to talk to a 'supervisor' but she said the same apparently.
So, according to their logic, if in 2 years time I fall over and break my current good left leg, they'll cover me. But if I happen to break a totally different bone in my current bad right leg, I'm stuffed!
And she said if I contract DVT then the claims dept would have to decide whether I'd be covered! Yeah, right, like I'm going to travel to the US without that one sorted!