AIBU to think awaiting test results for one person should not void family travel insurance

[Worldgonecrazy]

I have a premium level of travel insurance cover for me and my family, with all pre existing conditions declared. However, I am due a X-ray linked to one of these declared conditions and have been told that until I get the results, the entire travel insurance for me AND my family is void.

The catch is I go on holiday 2 days after the X-ray, so won’t have the results before I go for a week in Europe.

AIBU to think a lot of people might get caught out with this loophole, that whilst having or awaiting for an X-ray or test, and then results, for ANY medical treatment, regardless if it’s a pre declared condition, makes annual trip cover void until the results are received, and makes it void for everyone on the policy, not just the person awaiting tests or results?

This. DH is also waiting for results, we told the insurance and they just did an exclusion statement not insuring anything to do with his current investigation. The rest of the policy is still valid.

Staysure covered DS when he was under medical investigation, waiting for test results.

We are with insure with ease.

You need to take out 2 new insurances. 2 for you and a separate one for your family.

Hi op, I have a few chronic conditions and always use All Clear. They’re based in Cardiff and the last time I called they were very helpful and friendly. I’ve always managed to get full insurance, at a reasonable price, and like you I am fastidious at checking the t’s & c’s so might be worth a try.

If it is an x ray for a declared condition is it not fair to say that it is not a diagnostic test it is just monitoring of the condition? Might be worth having a word with your gp or consultant but if you have arthritis then x rays are the only definitive way to monitor its progress.

My xray results were on the NHS app the next day

A separate one for the family doesn’t work if you or they have to cancel because of a covered emergency though. As they’d only cover people on their particular policy.

I deliberately didn’t sort insurance for our holiday until DS’s hospital tests came back. Unfortunately his tests were inconclusive and he needs to go for more after our holiday. I spoke with All Clear and they were really helpful. They covered us for the whole family, some with complex health issues.

I have managed to find a policy - £20 for the week plus £95 waiting list cover. I will get a separate policy for DH - his quote is £28 for the week, despite having fewer conditions.

God I hate travel insurance with a passion. It’s fraught with holes to fall into unknowingly. I have an annual policy with all my pre existing conditions but I honestly don’t know what, in relation to those conditions, would need me to report to them.

Last year my partner (joint policy) saw the GP about s pre existing joint condition and was referred for an xray, which was good. But I was quietly frustrated that he hadn’t waited till after the holiday to see the GP. Because it would now need a call to the insurer which turned out fine, but I was dreading them excluding the joint condition because that was probably the main thing that needed to be insured for!

It’s ridiculous that insurance can make you want to avoid referrals! And some referrals take forever.

These insurers shouldn’t be allowed to remove cover for anything related to something that had already been declared at the time of taking out and paying for the cover. Surely that’s already been costed in at the time of taking out a sometimes costly annual policy.

I really feel for you OP.

With such rules I’m amazed anyone manages to claim anything on insurance ever.

Staysure is the company I had an annual policy with, but who refused to cover me while I was on the waiting list for an ECG.

Maddening when there was nothing wrong with me and my GP was, in his own words 'just ordering the test as a belt and braces check'. Which is presumably why I was at the back of an 18 month waiting list!

That’s fantastic. Mine was a couple of hundred for a week!!

Can I ask who the insurer is please? Because at this point I'm reluctant to go to the GP with anything, when I have two trips planned.

Well I told my insurance today that I have been referred for a CT relating to a pre existing condition - they said it was fine 🤷. And this was in recorded phone call

I suppose travel insurance really only covers being run over or no-fault accidents. I can see that a pending arthritis diagnosis might lead them to think you’re more likely to break a hip or whatever. How are all these elderly people going on cruises etc all the time? I should think a fair few are “under the doctor”.

I only discovered very recently that awaiting tests/results can nullify your travel insurance. They keep that one hidden in the small print!

Can’t speak for all but my late parents declared everything and probably paid a small fortune.

The travel insurance I bought with our flights got cancelled as my DD was on a waiting list for autism assessment.

Loads of places then wouldn’t insure us. We got it with co-op in the end.

Travel insurance seems awful to me. Took more than 3 months from the time I submitted mine (correctly) to get a payout-and said person hadn't even been to a doctor in 8 years, so it was clear it was not a pre-existing condition!
Seems stupid they are effectively cancelling everyone else's-if you couldn't drive, that wouldn't mean your family's car insurance got cancelled. While family might not want to go abroad without you as pp mentioned, if your condition was minor then it's quite possible they would-and it shouldn't be up to the insurance company to decide, imo

We discovered this last year. Managed to get cover but excluded issues around my daughter's knees and this was with a specialist insurer for people with health issues. We couldn't get anywhere with anyone online.

Talking to friends and relatives I think a lot of people are probably not properly insured. I think especially around those policies that come with your bank account as people aren't declaring everything they need to.

This was the same for us.

Our insurance was with Aviva.

Just insure each person separately. Try Staysure for you.

Sadly no the insurance company will have both a contractual and legal rights to cancel the policy. Its shit underwriting and I am guessing that its provided by company A but underwritten by company B and either company A's staff are too lazy or ill informed about changing the policy

Just re read the thread and I am write in that post office are just the people selling the policy. It will be on their name but a "proper " insurance company is doing everything else behind the scenes. It's called white labeling. I worked for 20 years do car, travel and mostly house insurance for most of the major banks, building societies, boots, national trust and others.

OP there should be a referrals system so you might want to insist on talking to a manager at the post office call centre