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Travel Insurance medical screening - help!

7 replies

Yeeeeek · 16/01/2019 18:10

I'm off to the USA soon and need travel insurance
But it's driving me nuts trying to sort it out

I'm not on any medication and have no conditions however because I have seen 3 specialists, I need to declare them

So I have had a 2-week urgent referral for a breast lump, that turned out to be glandular tissue (hormone related)

Another 2-week referral for postmenopausal bleeding, the specialist could find nothing wrong and again said it's a hormonal blip

thirdly, due to the stress of the other 2 - a tongue biopsy (as I was chewing my tongue) and it had white patches again - no problem - condition given frictional keratosis - which doesn't exist on medical screening questionnaires

So I have to declare the conditions, but all are non- conditions

Has anyone got any advice on how to declare, all I've been told by the travel insurance specialists is to say menopause, but menopause doesn't include specialists, told to put breast lump, benign, but it isn't that and uterine bleeding, and that's not right either

help

OP posts:
PaquitaVariation · 16/01/2019 18:16

You’ll be better phoning up a company and discussing it with them, rather than trying to do it online. It’s a complete mine field. My mum has to declare a TIA that she hasn’t had because the neurologist couldn’t write a letter to say she absolutely hadn’t had one at any point, even though there’s no evidence she has!

Yeeeeek · 16/01/2019 18:31

This is the problem, when I have phoned the above last paragraphs is what they say

I went and asked my drs what the medical terminology is for post menopausal bleeding - it's actually on my records as pmb

If I declare something wrong, or don't declare it at all and I should have then my insurance is null and void

OP posts:
FadedRed · 16/01/2019 18:41

Not sure if I am understanding you second post, but you have been referred for three conditions, all of which turned out to be benign and not needing treatment.

Yeeeeek · 16/01/2019 18:59

Yes faded - exactly that - but because I have seen a specalist, I have to declare them

But I don't know how

OP posts:
FadedRed · 16/01/2019 19:12

Last time I took TI, I had a similar issue with a Consultant referral. I phoned and explained what had happened and the agent just said that it was ok and I did not need to put it on the application.
Are they asking you to fill a form in? Can you put something along the lines of:
Date: Breast lump seen by Dr X. Benign condition. No treatment required.
Date: Uterine bleeding see by Dr Y. Benign condition. No treatment required.
Date: Oral lesion see by Dr Z. Benign condition. No treatment required.

Yeeeeek · 16/01/2019 19:23

no - online screening - i guess i'll phone them again!

OP posts:
FadedRed · 16/01/2019 19:44

Good luck.

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