To ask about travel insurance

[elephantmarchingin]

Hi all

I'm confused about what I should declare on a travel insurance quote. It asks for any conditions I have taken medication for in the past 5 years, does this include the following:

1. had high blood pressure during pregnancy. This was isolated to the pregnancy and have not had any medicines since I gave birth.

2. I had an ear infection over a year ago which I had ear spray for and only had to use for 3 days!

By putting these in they are blanket questions about if you are taking medication etc no option for in the past.

It ups the quote by £100!!

So I need to declare these?

Yes, you need to declare these but try different companies, Staysure and Just travel insurance are quite good for existing conditions.

Tell them everything. If you don’t they won’t pay out, they look for every way they can to get out of it.

Yes but need do declare.

Yep. Everything or it's not worth taking it out as they'll likely refuse any claims anyway.

Try shopping around; I'm pretty sure Staysure only ask for 2 years' worth, and doubt they're the only ones

Though no insurance expert I'm also surprised if purely pregnancy related high blood pressure makes such a difference to the price, especially if it returned to normal levels afterwards

But basically if this lot are asking you'll need to tell them; if you don't and have a claim you'd have handed them an excuse not to pay - and with many of them it doesn't take much

Yep, declare everything! As others say though, worth shopping around though

I wouldn't mind but why would they do a blanket high blood pressure. A lot of women have that isolated to pregnancy!

You should declare anything it asks you for as if you make a claim and it’s found you haven’t disclosed everything this can invalidate your policy.
Price comparisons usually ask if we needed to see a GP or go to hospital in the past two years, or (probably more importantly) if we’re waiting for a consultation.
Mentioning anything we’re being seen for won’t necessarily increase the premium. I have recently disclosed 5 different things and it hasn’t added anything.

Does it not ask for dates that you took the medication or precisely what the condition was? I find that surprising and, in your case, surely it would make you look a far better risk.
Alternatively, is there a a catch-all further details section where you could give this information?

Nope. I've tried a few different providers now.

It's fine I'll declare just seems so silly and backwards

I haven't taken out travel insurance for a few years, but I think you need to declare everything and then you can exclude some conditions from cover.

https://www.travelinsurance4medical.co.uk/?cid=25052&gad=1&gclid=Cj0KCQjwy9-kBhCHARIsAHpBjHgPPBGDgmq_ZWbSKAbCsW6psQkZgHrLk4ZF4MOSPRXfhR9rFQ0KoI8aAndZEALw_wcB

I used this company. Unfortunately my dh has various medical conditions which excluded us from other policies. Wasn’t cheap but at least we had cover.

i agree declare everything. Even that scan which was vaguely talked about in a consultation, as they’ll see that as outstanding.