Did you know you have to tell travel insurance about HRT?

[TravelHunny]

I read that you did so we've just rang and told them. No extra charge. Customer service said best to tell them everything.

Friend said I was being daft it's only hrt patches. Am glad I did ring. Like I said to dh if I got a blood clot abroad and didn't tell them then it could make the policy void. Blood clots obviously being a possible side effect of hrt. Although it would more likely be a flight causing a blood clot.

If you don’t tell them, they’ll use it as a reason to not pay out for any medical claim, even if completely unrelated to HRT. It’s best to tell them about every dealing you have with a medical professional even if it didn’t result in any medication being given. If there’s a loophole in your claim, they’ll find it.

Well I did not know this. Thanks for the insight OP.

You have to tell them about all medication you take.

There was a challenge to this and most insurers have stopped requiring it and so it's not on their drop down menus.

You also should tell them about Weight Loss Injections.

Yes but they don't charge extra for it. And the jabs!

I used Saga, I forgot HRT patches, so phoned them, and they told me they didn't count.

I was charged extra (quite a lot extra!) for HRT by Post Office insurance a couple of years ago. Glad it’s changed - I find it’s still on the drop down menus, they just don’t count it as a medical condition any more.

This story is from 2025.

https://www.itv.com/news/2025-03-04/woman-faces-34000-medical-bill-after-insurance-was-invalidated-because-of-hrt

I had understood that transdermal hrt (patches) don't increase the risk of clots in the way that oral hrt might. So they probably shouldn't be charging more for it and that may be why some PP are saying their insurance said it didn't need to be declared.

I rung up to tell Virgin Travel insurance and they weren’t interested. I made them note it down anyway- I bet they would be very interested if there was a claim due to a condition caused by it on holiday.

https://inews.co.uk/inews-lifestyle/hrt-travel-insurance-policy-cost-4664973?srsltid=AfmBOoouHsS425K-rKUkR7fNujuYHkE3Lm-Q26tqL1Wm6x2wwGTFybVZ

Yes I was going to say that unless you're on oral oestrogen then there's no risk of clotting.

Even then, there's a greater clot risk from oral contraceptives, but funny how we don't have to mention this to insurers?!

This is post office. No extra charge.

I've just booked travel insurance and it said they don't need to know about any contraception or HRT being taken. That's with Aviva.

That's good.

I did as it asked about any medication I took - they noted it and said no charge/no changes to cover.

Tell them everything. Also if you’ve had a GP referral for a consultant appointment with the NHS you need to tell the insurers about it. Even if it’s non urgent and you don’t stand a chance of seeing a consultant for over a year.

Thanks for raising this. I’ve just gone into mine and added my ingrowing toenail - I looked for it on the drop-down menu, expecting to see it wasn’t there, but it sure was! No questions, however, and no extra to pay.

You might not get insurance for a condition that isn't yet diagnosed, though...

You have to tell them about all medication. I have to inform them that I am diagnosed with eczema…

You have to tell them everything you have a diagnosis of, every medication you take that is prescribed (yes even birth control and hrt) and every drs visit during the past 2-5 years depending on insurer but air on side of caution.

the good news is often it doesn’t cost more but if you fail to mention something that is in your medical records they will refuse to pay, happened to relatives this year, simply forgot. Also always travel with a ghic card (uk) ehic (eu) because that will cover a lot

@Piggywaspushed

they might not cover that condition but may cover other things, if you don’t mention it they may just refuse all medical claims even non related

We haven’t gone abroad this year for that reason.

Any if you have any symptoms even if no diagnosis.