Travel insurance following complications from D and C

[Jess1336]

Hi I'm hoping someone can help me with my query.

I recently had to have a termination for medical reasons at 14 weeks, at my 12 week scan I found out my twins were conjoined sharing multiple organs and would have no chance of survival.

I was scheduled in for a D&C (early november) which was scary and traumatic. To cheer myself and my partner up we booked a holiday for 2 months time as I'd been told I should recover within 2 weeks. With the operation being November we booked mid January for our holiday. However I was back in hospital 3 weeks later with retained products of conception and needed to take some tablets to help pass the tissue and blood clots (again traumatic!). Following on from this I had severe bleeding and on the 20th December found out I still had retained products of conception and was rushed in for emergency surgery and needed a blood transfusion (again....very traumatic!!) Since then I had an ultrasound on 31st December which suggested my uterus is clear now and I am on the way to healing physically at least.

Now it is less than a week till our holiday and I still don't feel like I'm physically or emotionally ready to go to another country and scared that some complications could still arise even though I've had the all clear from the ultrasound.

The holiday company are willing to let me postpone the holiday (at a cost of 150pp!) However I think this is the right thing to do.

My question is....do I need to let the travel insurance company know about my operations/complications if I've had the all clear from my gp with the results from the ultrasound? I am concerned they may add additional premiums. I don't know if this is something I need to declare especially if my new holiday date is now not till March.

Hopefully someone can help me. I think I need this holiday to reset and heal emotionally.

Thank you 😊

You must let them know, otherwise you won't be insured for anything. Always advise them of any medical issue, the vast majority do not add to premiums, especially ones that have a defined end date (ie you have been treated and now everything is clear) if you go to the docs for anything it is always worth letting insurance know.

for you, I am so sorry to hear what you have been through and especially sorry to hear about the loss of your twins.

You need to declare it. They won't automatically charge more or exclude it, will be on a case by case basis. You may be able to cancel and get a refund for the insurance and take out a policy with a different company - all insurers have different underwriting criteria so coverage massively varies between companies. It's not worth not declaring - if you tried to claim on the policy for anything medical your records will be looked into and the insurer could refuse to pay. The problem with insurance is companies are very happy to take your money but go to great lengths not to pay claims and you only find out when it's too late what the consequences of the T&C's are.

I'm really sorry for everything you've been through, it sounds horrendous so completely understandable that you aren't ready to deal with everything that comes with travelling currently.

You normally have to declare any inpatient and consultant care within six months of travel. Had you been fully discharged when you booked it?

Hi thank you for the responses. I will let them know ASAP. I guess its better to be safe than sorry. Thank you for the kind words too.