Travel insurance impossible because I've seen my GP?

[SnuggleBuggleBoo]

I had no idea it would be this strict. I thought I'd have to tick the usual 'no heart attacks/strokes/diabetes etc' things off for them and that'd be it, but they're all crying about me having seen the GP within the last 2 years! Is that really that unusual? Where can I find normal reasonably priced insurance company that's happy to take a risk on me?

I should say the exclusions were around tests I was waiting for

@bellac11 it was CoverForYou, and it was investigating bradycardia and occasional dizzy spells.

Who have you tried that are refusing on the basis of just seeing your GP in the last 2 years? I’d be screwed if that was the case.

Waiting for test results, fair enough. But just seeing your GP making you ineligible doesn’t seem very likely.

I had a thread about this a few months ago. They wanted to know every single thing I'd been to the gp with in the last 2 years. I rang and queried it and was told it was correct. I couldn't remember every single thing as I'd been having fertility testing and then a pregnancy plus the usual uti, ear infection etc. They expected me to contact my gp for a summary of everything because if I missed anything they wouldn't pay out.

I ended up going with global travel insurance which somebody on here recommended.

Cover For You refused to cover me while I was waiting for the ECG..which was also to investigate dizzy spells. As did Staysure and all the other good companies who I was told would cover all health issues. No diagnosis, no cover.

LV didn't ask that question - just if we were waiting any test results

I just declare preexisting conditions, can get cover no problem despite us both having meds, him multiple surgeries etc. standard bank insurance

Awaiting test results is trickier, though not impossible- generally that condition will be excluded from cover as a known variable

There were no questions at all about medical issues? Because I would be gobsmacked that any insurer covered a person with a disability without even asking about medical conditions. In fact, having just checked their site they do ask about pre-existing conditions. If you didn't declare them then your insurance would not have been valid. Every insurer I have got quotes from asks for pre-existing conditions (I also have a disability) and then asks specifically about any treatment for each condition.

I think lots of people fail to declare pre existing conditions. They will only find out that this is a problem when they try to claim on the policy.

Yes you have to be careful with pre-existing conditions, it can be in small print and if you haven't declared whole insurance is invalid.

That’s mad, we just have travel insurance as part of our monthly nationwide account fee. Never been asked any medical questions

@bellac11 be careful because there are some cowboys out there; I was midway through an annual policy when I developed some symptoms that needed investigation - I told them (as required in the small print) and they withdrew my cover. I could get insurance with someone else that would cover me for everything but that condition but that was as far as I could get even going down the list of insurers who are supposed to help while awaiting diagnosis. Luckily I got a diagnosis just before we were due to travel - my original paid for insurance still wouldn't cover me but I managed to get a policy elsewhere. Never going back to that insurer again!

You haven't read your policy

https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance/

We have this through our bank. It says in the small print if you are diagnosed with any medical conditions or awaiting any tests etc you must inform them. If you don't your insurance could be invalid.
When I informed them I was awaiting investigations they refused to provide any cover for anything that may be associated with the symptoms causing the investigations.🤷🏼‍♀️

Can you not just declare that you've see the Dr in the last 2 years and were diagnosed with vertigo? You probably need to call them though, I've had cancer and use Staysure. We declare everything, even DH's dodgy back which only flares up occasionally.

I have annual travel insurance through my Lloyds Platinum bank account

When I started blood pressure meds recently I called them and had a premium added to the basic policy.

It’s the modern (rather daft) way of saying their premiums are higher than expected I guess.

Exactly. They may as well just have thrown £24 in the bin. That insurance cover is useless because they won’t payout if you failed to declare pre-existing conditions. Why do people not know this?

Read the small print. You have to declare medical conditions.

A lot will also have insurance with the bank account and will just think it is ok as they have that.

Of course they want to know if you have seen your GP. The next step is to find out what for and whether or not it will affect their decision to insure you. It's a question OP. Their decision to insure and for how much will depend on whether you saw him/her for a sore throat or because you were worried you were having a stroke. And then what the GP did next!!

I think people just don't read the t&c. I have travel insurance with my bank account, but I have some health problems and I do the telephone chat and pay the extra. It is worth it for peace of mind.

@bellac11 - your policy isn't unusual. They'll all ask if you have had a change in medical state before a trip.

It's obvious that a company will insure you for £90 when you're healthy and unlikely to fall ill on holiday. They will withdraw cover if you decide to go away having just had a major heart attack. It's insurance and medical costs abroad can run into the hundreds of thousands.
If you have a change or a new diagnosis they will assess the risk and either withdraw cover, charge more or tell you it makes no difference.
In the same way if I were diagnosed with a potential aneurysm or was told my pregnancy was showing high risk signs I wouldn't take the risk and travel.

The reason all insurers insist you must be registered with a UK GP (if you're a UK resident) is the first thing they will do if you claim is contact your GP. They'll ask for a list of all consultations with GP or hospital/diagnosis/investigations/medication/operations etc you've had (usually in past 2 year)
If you've been diagnosed with something, have received treatment, are taking tablets and you haven't declared it it can make the whole policy invalid.