Travel Insurance and pre-existing “condition”

[PussInBin20]

Hi, just wondering whether anyone has had a condition excluded and what you did ie did you take the risk and go on holiday anyway or just not go?

My DH was investigated a couple of years ago for heart palpitations - he was fully checked and nothing found to be wrong but he was put on statins as a preventative measure. I think this was mostly because DH said both his brother and Dad have had heart attacks.

He was a bit paranoid after this, thinking he is next although he has had a full MOT and nothing deemed wrong.

Now I know the insurance company won’t see it like this and I am guessing they will exclude all heart things - especially as we are/were thinking of going to Disney/USA.

I don’t go on the big rides but DH would with DD13 but now I am thinking we can’t ever go as I don’t want to risk losing our house if the worst was to happen!

What can we do?

With bank account insurance they charge you a supplemental fee, ours is £57 a year

Ps to anyone thinking of traveling stateside without insurance- don't!!! My arm fracture, so small they didn't plaster it, cost $12,300 crazy considering it was 20 years ago - my travel insurance paid all but £60 excess.

He doesn't have a condition. He had tests, they were clear.

He's on statins like many people of his age, which are an aid to preventing heat disease.

So no, you don't declare a heart condition that he doesn't have. But if they ask if he's on medication, you mention the statins.

Coincidentally, I can't get travel insurance at the moment as I'm on a waiting list for a 24 hour ECG after I had a few episodes of light headedness last summer (which haven't occurred since).
As I'm awaiting tests with no diagnosis, I can't get new insurance. And of course the waiting list for the cardiology appointment is 60 weeks long.
It's maddening because the GP who ordered it said that he was simply being cautious. Two doctors since then have said don't think I need it at all, and that he was being OTT.

The only way round it has been to get the test privately in a few days time. The private consultant was pretty confident that it won't show a thing, and (and this is where it's relevant to you, OP) that if the test is clear, there'll be no issues with me getting insurance.

I've never gone private before, but it was that or have no holiday this year.

I believe you have to open an account and pay £13 pm. Still May work out cheaper.

You will definitely be able to get decent insurance to cover the states. I have annual insurance which covers USA with an kidney transplant and therefore highly immunosuppressed. It costs £250 a year - I've had to claim before and they were great.

@verballyincompetent may I ask who you are with?
I have complex medical history and travel insurance costs me a lot. I have read so many stories of people who are fully insured and still find the company slow to help or pay.

I'm jealous my additional premium with Nationwide was £135, some health conditions really suck!

If he has any sort of incident that racks up high costs in the US, his insurance company will request his medical records, and crawl all over them, looking for anything undeclared. It doesn't even have to relate to whatever has happened in the US - he might have a broken ankle, but the insurer may still argue that , through non-disclosure of a previous medical concern, he is in breach of his policy, so they don't have to cover.

So, while I agree that he does not have to declare a cardiac diagnosis if he does not have one, it is very important that he declares any investigations he had, and the reasons for them.

Do not mess around with insurance for the US. Their medical providers are ruthless - they put half a million Americans into bankruptcy each year. If you are not insured, they will pursue you for the costs and take everything. No trip to Disneyland is worth the risk.