Can’t get holiday insurance?

I have pre-existing conditions and I'm currently waiting the results of investigations on something else.

I have travel insurance with Staysure and have had for several years. They will cover everything except the two pre-existing conditions and anything relating to the symptoms under investigation. The pre-existing conditions are not related to the new symptoms, but the new investigation rules out cover on everything I have declared. As soon as the investigation is closed they will reassess the premium to account for anything that's found, and the two pre-existing conditions will once again be covered.

Make sure you get your GHIC/EHIC (make sure it's the EHIC if you qualify).

@BloodyAdultDC which is what I said, not for the open investigation. RTFP 🙄

Surely the whole point is that OP needs to be covered for everything, but won’t be able to while pending results of investigations leading to a diagnosis?

You most certainly can get cover whilst an investigation is underway. Likely not for anything to do with that condition, but for everything else including pre-existing conditions.

I did last week for dd.

You won't get cover for the open investigation. The Underwriter has no way of calculating the risk. Everything else should be insurable if you are prepared to pay.

Also, take your GHIC, you may have to pay upfront, but you can reclaim those costs once back in the UK if you keep all the paperwork. For France you will get separate paperwork for doctor, nurses and pharmacie. Takes a while, but you will be reimbursed.

You say you will definitely get insured, and they will, for declared conditions, but the problem is, they won’t cover the undiagnosed conditions!

My husband has had bowel cancer, I have adult children with ASD. I also have some health issues and I found getting travel insurance really easy on a comparison website.
Once I got travel insurance, I had to add a mental health concern with one of my DC and the cost went up by a couple of pounds. I thought we’d not be able to afford insurance but it really wasn’t too bad at all.

Use these.
I got annual for £130.. whole year for Europe.
I have had gall bladder removed.
I have Fibromyalgia.
Bowel Adhesions.
Osteoarthritis
Esophageal spasms
Migraines
Anxiety/ depression.
Prolapse .
You must list every ailment or it will be void .
You will definitely get insured.

https://www.payingtoomuch.com/

After an accident, I was treated in France. At all stages I showed my European Health card but I was still billed some months later for the full cost of the treatment. I wrote a letter explaining that I had shown the card and gave the number of it. I ran the letter through google translate so it was in French. I then got a bill for about 30%, which I think what was what French people have to pay. This was affordable but I was not operated on in France. I had to have the operation when I came home.

I'm sure you CAN get insurance, it just may be expensive

Unless your DH has actually done some quotes, he cannot know that you can't get insurance

My comment wasn’t actually regarding the insurance itself, although you can get insurance whilst under investigation, but there will probably be limits on some conditions. What I meant was why is it up to OP’s dh to decide? He is clearly misinforming her .. why is that?

If existing health problems aren’t covered then it’s no good. Most companies cover declared existing health conditions, but not undiagnosed ones, understandably.

It’s very unusual to cover conditions that haven’t been diagnosed, although they will still cover you for the ones that are.They are covering themselves!

Hi OP. I work in insurance. First point to note is that if you are travelling to France there is still a reciprocal arrangement in place. This is now known as a GHIC and in France would mean that payments for emergency treatment would be very restricted. This of course will not allow you to be repatriated if you fall ill, but the risks are small. Secondly the FCA maintains a list of specialist insurance providers for people with a range of health conditions so I would recommend trying one main player and then using someone from the list. For a few days in Europe (I should not say this), I would use the GHIC and extend household cover so that it covers items away from home (your baggage). The only other element you would get from your travel cover would be cancellation cover but I would take a risk relevant to the cost.

I think they all do that, and it’s understandable, as an undiagnosed condition could turn out be very expensive!

Staysure won’t insure your new condition without a diagnosis. You will be insured for the aforementioned mentioned conditions though.

AllClear will cover you but will exclude anything related to the symptoms or conditions currently being investigated.

You then have to decide whether that's ok for your own circumstances.

Source: phoning them for insurance for DH two weeks ago, midway through a set of investigations.

My son has very complex health needs and I find GoodtoGo are great. You list out all medical issues, including any being investigated. If you can find on the list, call them and they'll make sure you're covered.

very surprised to see so many votes for staysure. They were one of many who refused us as we had investigations pending.

Another vote for Staysure. Their customer service is brilliant, they have always gone the extra mile with my parents.

I got my DD insure through staysure last week - also pending CT scan (even though the suspected condition won't affect her day to day life AT ALL) - compare websites came back with a straight no.

Sounds like OP is still being investigated. You cannot get cover as there is no formula to calculate the risk and premium. Once you have a diagnosis, most insurers will take you on often with a higher premium. but you won't get cover whilst waiting for investigations. It's just like that.

it can be very hard to get insurance while undergoing tests.

You will get insurance but not for anything that should arise relating to gallbladder, so that will be excluded.