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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think travel insurance is an utter scam?

232 replies

ragingruby · 02/08/2024 13:20

Before taking out annual travel insurance, declared health conditions of menopause and insomnia - both managed by medication. Have had some issues recently with piles. Got anusol from GP to manage.

About to travel later this week. Rang to advise of Insurance company, Staysure, re new condition (as their documentation notes you have to). They said they will continue cover but not for the pre-existing conditions and neither for the recent condition, the latter of which they said don't just emerge suddenly so I must have known about the piles for some time and hadn't told them.

I'm like 'what???'. I've just told you!

They wouldn't budge.

So, despite previously insuring the conditions of insomnia and menopause, both of which are being managed, they've decided now not to. Apparently I'm covered if I die and need repatriation or for medical aid if in a car crash though I suspect they will say if I was driving, I was likely not to have had enough sleep!

Not going to renew my cover with them next year. Renaming Staysure as 'StayAway'. What's the point?

OP posts:
Peridot1 · 02/08/2024 13:25

Why on Earth would you declare insomnia, menopause or piles???

I get insomnia. I’m menopausal. And I have had piles at times. I have never felt those needed to be declared. I had had treatment for breast cancer and I declared that obviously.

Rocknrollstar · 02/08/2024 13:24

You have to tell the insurance company EVERYTHING or you are not covered. We learnt this the hard way. Hopefully you won’t have any problems with piles or menopause while you are away. Travel insurance is very peculiar - I take medication which keeps my blood pressure low but am penalised because I take it. Do make sure you pack extra medication just in case your return is delayed.

MonsteraMama · 02/08/2024 13:24

What situations are likely to arise abroad where you'd require cover for menopause symptoms, insomnia or piles?

MidnightPatrol · 02/08/2024 13:23

😂

Popfan · 02/08/2024 13:23

What? Menopause and HRT needs declaring??! I had no idea!

Topofthemountain · 02/08/2024 13:22

I don't go abroad, but do you really need to declare piles? I thought the pre-existing conditions covered things like cancer, heart conditions etc.

ComtesseDeSpair · 02/08/2024 13:22

I can’t imagine you’ll need to claim on your travel insurance whilst on holiday for menopause symptoms, insomnia or piles, and it’s not likely, without specific evidence as to the cause, that they’d exclude a car accident.

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