Have you ever made a medical claim on travel insurance?

[tatt]

and if so did the company look for a way to avoid paying up? I'm curious becuase some of the policies seem to rule out any condition you have ever had int he past.

i got shipped back from thailand a week after i was due home because i got gastroenteritis, and was decleared unfit to fly

they paid up got me a flight, ordered a taxi for this end and sorted my med expenses immediately, but then it wasnt a condition i already had

yes - they paid up fine, it was an ER visit for my toddler

if you have pre-existing conditions you need to declare up front and then they'll tell you if they cover it

Hi, I had my son's tonsills out and had grommets put in as he had such a terrible infection on hols and enlarged tonsils. the ear nose and throat specialist recommended it and I knew the NHS would never do it. I'm putting in my claim this week. I don't know if they are going to pay it yet. He had previous ear infections and a burst ear drum but I don't know whether or not to say that !! I hope they don't try and get out of paying, it was very expensive!

yes and yes! I had to cancel my honeymoon because i was ill
They eventually paid out but minus about £250 "excess"
I find it hard to get travel insurance now and have found M & S the only place to get cover

If I declared any medical problem any of us has ever had we'd be there all week . None of them currently causing active problems so it's hard to know what to declare and what not to. I always check the allergy problem is covered, although if that caused a problem whil we were away it would probably only cost a replacement epipen.

My sister ended up in hospital and having an op whilst on holiday. She fell off a bar and landed on glass which cut the tendons pretty badly.

She had a hospital stay, the op, treatments, flight home early, etc. Travel insurance paid up no problem IIRR.

However, yes - I think it is very common to have a policy statement saying that pre existing medical complaints are not covered.

saffymum I wouldn't mention it unless asked if you want to get paid. However they may check with your gp anyway and exlude it. They may also try to exclude it as non emergency if it wasn't cleared with them first. If they do pay up they sound like the sort of company I'd like

My annual travel ins asks if you've had anything in the last year and if you are having ongoing treatment for anything. My dd had a collapsed lung at birth (very unlikely to reoccur, but you never know), it only cost me an extra £19 on the annual cost to cover her for that. Next year will not have to mention it as is only for things in the last year.

The only time they did not pay up was on one occasion where I did not CALL them to tell them about being taken ill while abroad.

However, when my oldest was two he was taken ill and hospitalized in Warsaw, at a special childrens hospital. First the hospital were refusing to start treating him until they got a fax from our insurance company that they would pay, and my sons NHS number (a friend had to go to our house and find this number). It was against the insurance company regulations to send such fax, so we were arguing for ever back and forth, while my son received NO treatment. Then the insurance company suggested faxing over a form E11 (or something, which we stupidly had forgotten to bring) so that solved that, we thought. The docs started diagnosing and treating him, but refused to let us have our passports back until we had paid £100 for treatment, as still had not received paperwork from insurance company... They did however phone to say we could pick up our £100 when they received the papers, but we had long left Warsaw then.

So, be soooo careful when you go abroad, remember to bring all the documentations you could possibly need.

seems like claims are very rare.

Have only made minor claims - dh cut his toe ian pool, his finger on a Swiss Army knife, GE for me in Majorca. All paid out reasonably quickly although not much in first 2 instances as there was a large excess relative to claim.