Do you declare EVERYTHING for travel insurance?

[Squeekey]

Just that really.

I would always declare my daughter's health condition as it's serious, will affect whether we get coverage etc, but do you really declare everything everyone in the family has seen a Dr for in the last 2 years?

Last time I phoned up about insurance (phone needed because of daughter), they spent about 20 minutes asking innane questions about my husband's 5 minute trip to a Dr 9 months ago for foot pain.

I'm perfectly happy to accept that I won't get coverage for anything we don't declare, but in reality what do people do? I keep, I think I had a phone appointment with the GP last year for antibiotics for a chest infection - according to the insurance rules I need to declare it.

I'm considering that I might benefit from antidepressants for the first time to get me through a very very stressful few months and I can feel my mid plummeting, but I can't face having it over analyzed for donkeys years by insurers.

What do people do?

i think the trick is to find an insurer that doesn't have very specific questions to answer. I called Staysuure after a recommendation on here and I wasn't very impressed because she asked about "anything that I have asked any doctor about in the last two years". That included my son's concussion, it's long since healed but because "concussion" wasn't on her list, she could only put down "head injury" which put the premium up by £200. I also admitted I'd talked to a doctor about menopausal issues which she then insisted was a "medical condition" and we had big argument about that . It was clear that they record calls and then they can clearly weedle themselve out of paying out for anthing at all if it turns out further down the line that you didn't mention some benign reason for going to the doctor, that resolved, that you didn't mention. I was on the phone for an hour and a half going through every single doctor visit that the four of us had had over the last 2 years. Almos all of which are just not issues at all.

Lucily some insurance policies are only interested in preexisting conditions and anything you're only actively in treatment for/receiving medication and yo don't need to delcare anything else.

If you're waiting for a diagnosis for something however, you can't get insured for that specificaly but most policies will still cover you for everythign that is NOT related tothat.

Re the NHS app, I use the similar Patient Access Site and it shows several ailments that have never even been mentioned to me by anyone, and a couple that are definitely untrue.

Yes Im with Staysure and this is what they ask for. And most of the appointments I cant remember and neither can I remember the specific 'outcome', they like an 'outcome', well often there isnt one. No diagnosis, no referral, nothing really.
NHS app is not accurate theres things on there I dont have and not things on there I do have.

I had to fill in a lengthy health questionnaire a few years back for long term sickness insurance. I’m pretty healthy usually but I declared I’d seen a doctor over reoccurring sciatica. When the paperwork came through they excluded me for any claims related to backs or spines ‘including but not limited to sports including horseback riding etc’.

So basically I had sciatica but if I ever fall from a horse I’m not covered for back injury! In short, they’ll find any reason to deny a claim so fill in every last sniffle. 😄

In my years as a GP They don't often ask for your medical records. We usually just fill in a form that you get from the insurance company when you claim. They usually just ask if you were fit to travel at the time of booking and taking out insurance and if you have had any symptoms of that condition (that led to cancellation)before.

That said I do declare everything not that I have needed the GP at all for a while.

I declare hrt/menopause (ridiculous as we don't have to declare contraception..the pill...on insurance forms)
Also I declare depression as I had it years ago and not had antidepressants since 2018. It doesn't seem to affect my premium.
I had post menopausal bleeding in 2021 and tried to declare it but all you could put was dysfunctional uterine bleeding which is totally different really but I rang them up and they spoke to their medical advisors and they said to put the dysfunctional bleeding...I suppose I'd had all the investigation and was clear so it was dub in the end. I don't declare it now as it asked for things in the last 2 years

My husband had screening for heart disease as part of a trial and we know he has slightly thickened arteries so declare coronary artery disease...now that puts up the premium. He's 70 in 4 years so it will jump again so trying to get all the long hall stuff done early.

I used to be an insurance claims handler in a previous life. They will go through your claim with a fine tooth comb and if it’s possible to reject a claim for a sore leg because you once had an ingrowing toenail, they will do. If you actually want a policy that will cover you, then you have to be very certain that you’ve disclosed absolutely everything. Even if you think it’s not important or relevant. It’s their job to wiggle out of paying you and they’re trained to do it very well.