Travel insurance question - medical

[xsquared]

I bought insurance back in January, since then, I've been to the GP for a swab test as I was worried about spotting between periods, but it turned out to be nothing when I got the test results. I rang the insurance company telling them this on Monday, and they were fine with it.

Today however, I got a letter for an appointment to an ultrasound scan, which is after the date of travel.

Does this need to be declared even though it's after the travel date? Would it count as awaiting for "medical investigation"?

I'll probably end up phoning them again anyway, as I'm so paranoid about recent stories of insurance companies finding reasons for not paying out claims.

Thanks in advance.

Sorry if I've misunderstood but, assuming you told them everything at the point of buying the insurance, why would you tell them anything extra unless you want to make a claim?

You will not be covered for anything you are waiting for an investigation on . It's always the same on these things.

Where are you travelling to? Remember that your GHIC gets you necessary (emergency or ongoing) healthcare in most of Europe, and one or two other countries, on the same basis as local people, which typically means you pay nothing or a very nominal fee, and there are no pre-existing condition exceptions.

Because if you need to make a claim on the travel insurance and haven't updated them on any new conditions/investigations they will not pay out regardless of whether it is related to that new condition. Your insurance becomes void.

I would tell them yes , travel insurers like to wriggle out of paying at any opportunity!

My understanding is point of contract was when you booked the insurance, you need to declare any past or ongoing medical issues otherwise a claim could be rejected. But if I am correct this medical issue was unforeseen and has arisen since you booked the travel policy. If so then I don’t think you do need to declare, until you book travel insurance again OP.

Yes you need to update them or your insurance will be void. It will not just be up to the point you booked your insurance.
Plus the scan will be related to you spotting. Just call them and tell them.

If you don’t tell them everything they can refuse to pay out. Simple.

I have annual travel insurance and mine very clearly states that you must declare everything up to the point of purchase, but do not need to declare anything that arises after you have purchased until it comes to the point of renewal.

Same here.

Because you need to tell them about any changes.

My travel insurance sent me an email clearly stating I needed to inform them of any changes. You can’t be too careful with this.

I don’t think that’s true unless you are waiting for investigation at the point of buying insurance

if the issue came along later, in most cases you’ll be covered
some policies will want to be informed but not all

Not in my experience - you are required to update on anything. At least that's the case either way the HSBC travel insurance I've had for 10 years.

"Ongoing Duty of Disclosure:
Travel insurance providers often refer to this process as an "ongoing duty of disclosure," meaning you must update them about any changes to your health"

The best thing is to find out what rules your company use @xsquared as otherwise you may not be covered.

This is Aviva's policy.

Hi,
Thanks everyone.

I did call them in the end amd although they went through all the questions ago, which I answered no to, they will add the new information on at my request for review.

Hopefully, nothing changes.