Active discussions

Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

Talk
Chat

Join the discussion and chat with other Mumsnetters about everyday life, relationships and parenting.

Original poster

Do I need to tell my travel insurance about this? Potential post op infection

30 replies

ThatLadyLady · 13/10/2025 07:10

I had a sinus operation just over ten weeks ago. I told my travel insurance company and they said that as long as I got the all clear to travel, it was fine and didn’t affect my insurance.

I got the all clear and let my insurance know, and I was covered for a trip I took about four weeks post op.

I now have an ear infection which could be related to the operation, or it might not be. Basically my GP isn’t sure whether it’s because of post op swelling in my sinuses causing a drainage issue, or if it’s just an ear infection that’s popped up. I’m on antibiotics and not planning to travel for another few months yet, but do I need to tell them? The antibiotics are working but in my GP’s words, it’s a matter of waiting and seeing if it reoccurs to see if it’s a post-op issue or just something random.

OP posts:
Original poster
ThatLadyLady · 13/10/2025 12:23

Beedeeoh · 13/10/2025 12:07

Let's take the physio as an example. I don't know what it was for, let's say knee pain for arguments sake. You go on the holiday, on day 3 you trip over a pavement and smash your knee, it swells up and you have to seek medical treatment. You try to claim on the insurance and they see you had a referral for physio but it was cancelled. They will argue that you didn't declare a knee issue so your insurance is invalid. It doesn't matter that the original issue was inconsequential and unrelated to your fall. That's how it works.

Show quote history

Can I tell them about that now?? I’ve travelled since this happened

OP posts:
ErrolTheDragon · 13/10/2025 12:29

ThatLadyLady · 13/10/2025 11:41

Just gone on to ask their chatbot and it said this

If you have an upgrade in place to cover pre-existing conditions this cover lasts for 12 months.

During the 12 months you don’t need to tell us about changes to the health of the insured people named on the schedule, as we’ll provide cover for changes in the conditions you’ve already told us about, or any new symptoms or diagnoses, until the upgrade expiry date.

so I’m assuming I don’t need to?!

That sounds ok…I’d screenshot that.

flopsyuk · 13/10/2025 12:34

ThatLadyLady · 13/10/2025 11:21

I’ve had the insurance since 2023, the trips booked a month ago and now this ear infection. I just don’t know if they’ll care?

Show quote history

Is it any yearly travel insurance policy or an ongoing one connected to your bank account?

My experience is that i do a yearly health update with the companies assessment team. I save up all my medical issues. By the time i do the assessment many are already on their system and some new ones have resolved.

They tend only to be interested now if there are any ongoing new ones if I have travel booked. However I declare everything once a year.

My recurrent sinus infections (which can include my ears) are covered now.

They only come up if I need investigations or different treatment or I am waiting to see a consultant.

Interested in this thread?

Then you might like threads about these subjects:

General health Holidays
Original poster
ThatLadyLady · 13/10/2025 12:49

flopsyuk · 13/10/2025 12:34

Is it any yearly travel insurance policy or an ongoing one connected to your bank account?

My experience is that i do a yearly health update with the companies assessment team. I save up all my medical issues. By the time i do the assessment many are already on their system and some new ones have resolved.

They tend only to be interested now if there are any ongoing new ones if I have travel booked. However I declare everything once a year.

My recurrent sinus infections (which can include my ears) are covered now.

They only come up if I need investigations or different treatment or I am waiting to see a consultant.

Edited
Show quote history

ongoing with my bank

OP posts:
flopsyuk · 13/10/2025 14:53

ThatLadyLady · 13/10/2025 12:49

ongoing with my bank

Show quote history

Mine is as well. They seem happy with a yearly update. I do this before any major travel. Usually before Xmas.

If I have any major new problems and travel is due i call them then though.

Appreciate that not all insurance companies are the same.

New posts on this thread. Refresh page