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Original poster

Travel insurance and waiting lists for DD getting brace

56 replies

tellmewhenthespaceshiplandscoz · 21/12/2023 09:23

Booked next years holiday to Italy last night. Yay.

Looking to sort travel insurance for us (me, DH and DD15). DD is currently on a waiting list for assessment for upper adult tooth impacted/brace for overbite. I was speaking to potential insurance about my pre existing condition and happened to mention this.

They won't cover until a brace on a fitted and not while on a waiting list Confused

We have her orthodontist assessment in Jan so hopefully will have a treatment plan by then but the brace won't be fitted potentially until the summer anyway.

So - does anyone know if we will have a problem getting cover before fitted? And how much potentially this could increase cost? The lady at insurers (well, it's a comparison site called paying too much) has given me a few numbers to try but thought I'd see MN has any suggestions first.

This has seriously pissed on my holiday chips Angry

OP posts:
Fairyliz · 27/12/2023 15:34

Moonlaserbearwolf · 21/12/2023 09:52

Wow, wouldn’t have even thought of mentioning a brace waiting list. I would ring another insurer and don’t mention it. It’s not a medical issue.

I would be a bit wary of this advice. If you don’t declare something they will try and wiggle out of paying you in the event of an accident even if it’s something totally separate.
Eg DD slips and breaks her leg, you didn’t declare brace issues they won’t pay for hospital treatment for leg.

ThreeTreeHill · 27/12/2023 19:56

catsanddogsandrabbits · 27/12/2023 09:45

You'll find someone eventually. It's purely a numbers game.

The problem with "waiting list" is you may think the issue is minor but unless and until the insurer looks through the medical info they don't know. A toothache in Spain my not cost much but a dental abscess in USA may be thousands... And painkillers for a bad back may seem trivial but there may be (I have no idea if there is..), there may be a statistical correlation between bad backs and increased risk of slipped discs, accidents, (name) disease. They will know.
In order to provide insurance cheaply this screening has to happen to minimise risk. And it's a bit one size fits all - it has to be. But if you don't declare and the insurer feels you've misrepresented the risk you may find you're not covered.
Good luck OP
(And as pp said - people cancel all the time if they get to the top of the waiting list and get offered a slot - especially on NHS where you might have waited months and then go to bottom of list if you defer. People think "oh I've got travel insurance - I'll just cancel and rebook the holiday")

Edited

But they don't ask anything about dental treatment prior to insuring, and you can be on the waiting list for an extraction and still travel.

Its fair enough to ask and review but to decline based on someone on the wait list for an orthodontic assessment, not a surgery or actual medical treatment is madness.

Original poster
tellmewhenthespaceshiplandscoz · 27/12/2023 21:30

Stupid question - does anyone know if extractions count as surgery if not done at a hospital?

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OnTheBoardwalk · 27/12/2023 22:40

Have you phoned stay sure yet? They are the only ones who can answer your questions. you should get insurance as soon as you’ve booked the holiday

personally I’d tell them absolutely everything. The cost of the cover v them cancelling everything is minimal

teeth can very often lead to nasty infections/pain that needs medical treatment

Original poster
tellmewhenthespaceshiplandscoz · 27/12/2023 23:02

OnTheBoardwalk · 27/12/2023 22:40

Have you phoned stay sure yet? They are the only ones who can answer your questions. you should get insurance as soon as you’ve booked the holiday

personally I’d tell them absolutely everything. The cost of the cover v them cancelling everything is minimal

teeth can very often lead to nasty infections/pain that needs medical treatment

Not yet - so far we've only paid b small amount deposit and her first appointment is only a weeks away so going to call them after that first obstacle is out of the way.

Figured if we were unlucky enough for something happened before the worst case scenario is we've lost the deposit which we can live with.

OP posts:
Original poster
tellmewhenthespaceshiplandscoz · 27/12/2023 23:02

A few weeks away that should say

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