Another travel insurance question! Annual policy holder, possible GP appointment

[oaky55]

Apologies for another query on this front. I've found a few posts that allude to a similar issue, but not exactly the same.

I have an annual travel insurance policy with some (not serious) pre-existing conditions declared. I am due to go on a lengthy trip in about 6 weeks time but over the past week or so I've had some symptoms which, if they continue, I might like to see a GP about.

I'm now really worrying that, if I see a GP and they can't immediately diagnose something then have I'll have an 'undiagnosed condition'. My insurance policy says that they won't cover undiagnosed conditions, so I know I couldn't buy new a policy with them at that point. However, as I already have the policy then I'm holding on to the idea that this is what insurance is for - if a GP said I was ok to travel, even if I was awaiting testing, then I would hope I was still covered for emergencies (say if my symptoms unexpectedly deteriorated). But I'm really unclear if this is the case! If I was given a non-urgent referral then it seems like there is no chance I'd have the appointment before I was due to travel.

If I phone the insurer to ask then I would basically be making them aware that this was the situation, and my symptoms could clear up. But the longer I wait to see if the symptoms clear up, the less time I would have to see a GP and receive any test results before I am due to travel.

It feels like I am stuck in a horrible catch 22. Its absurd that I've done everything above board but I am now in a position where there feels like there is a disincentive to speak to my GP.

Does anyone have experience of this? Have you found that your insurers just voided the entire policy, wouldn't cover you for the undiagnosed condition or continued cover as normal because this came about after the policy was taken out?

What are your actual symptoms?

Sometimes I have done this (breast lump) and not declared it - not saying this is right!
Sometimes I've waited til I got back (vague symptoms that would take bloods blah blah to even start getting anywhere
Sometimes I have been and declared it, but usually things like a sore throat/do I need antibiotics kind of thing

oh no had this with my mum recently/ she has possibly an ingrown eyelash so gets eye infections. has been referred but no appointment yet.
i tried everywhere to get her insurance even specialist brokers but as it is an undiagnosed condition no insurance was possible.
in the end i got her a new GHIC card that would cover for emergency health issues but not repatriation if required and took her anyway. it was in Europe i wasn't worried about suitcases etc it was just the health stuff.
is this something you could do?

www.financial-ombudsman.org.uk/consumers/complaints-can-help/insurance/travel-insurance/change-in-health

This might help @oaky55
It gives scenarios of what the financial ombudsman would uphold if someone had to take a case against their insurer.

Basically it sounds like if you develop a condition after you've booked a trip and purchased insurance you need to inform the insurer but they would be expected to cover it for that trip, They may charge an extra premium.
If the change to your health is substantial and the insured risk is too great they can cancel cover but would be expected to pay out for cancellation of your trip.
That's my reading of it anyway