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Holidays

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Original poster

Back pain should cancel holiday

38 replies

AliasGraced · 27/05/2025 09:01

I am due to go on holiday tomorrow and I have been suffering bad back pain which is getting progressively worse. In the past this has meant months of chiropractic treatment and months of pain. I just don’t know what to do. If I cancel I don’t know if travel insurance will pay out .

OP posts:

Original poster

AliasGraced · 28/05/2025 09:40

Aneatsidestep · 28/05/2025 09:36

So you’ll be coveted then subject to the conditions

ill presume the back pain is making you very sensitive and grumpy!

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You’ve just made a huge rigmarole about how I won’t be covered if it’s not declared!!

OP posts:

Aneatsidestep · 28/05/2025 09:40

AliasGraced · 28/05/2025 09:40

You’ve just made a huge rigmarole about how I won’t be covered if it’s not declared!!

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Sweet Jesus

read the post

Aneatsidestep · 28/05/2025 09:41

Aneatsidestep · 28/05/2025 08:18

In that case - you’re not covered

and don’t be a drama llama. You have to declare conditions that you’ve received treatment for over the past 12 months or undergoing tests

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To help you along

Cellotaped · 28/05/2025 18:47

Did you go in the end op or stay?

summerscomingsoon · 28/05/2025 19:23

CatsLikeBoxes · 27/05/2025 11:43

When you booked your insurance you only have to declare medical conditions which are relevant according to the questions asked.
Different insurance companies can have different questions but they might ask for example if you've been on any medication in the last 12 months / on a waiting list to see a specialist, received any in or outpatient treatment in the last 12 months. As long as you answered honestly, and your back problem didn't need declaring because treatment didn't fall under the definition of an existing medical problem according to their questions, it should be ok.

Not true. You have to declare all and any visits to gp. Meds taken and referrals in last 2 years sometimes longer.

If yiu have seen your gp re your back in last few years and nit declared it on insurance proposal form you will not be covered.

summerscomingsoon · 28/05/2025 19:38

AliasGraced · 27/05/2025 09:01

Travel insurance will need a dr declaration that you are not fit to fly.

Dh Claimed a couple of years ago. Bronchitis . Insurance cobm want full medical history from gp to chevk you've declared everything then confirmation from Dr you are not fit to fly

CatsLikeBoxes · 28/05/2025 19:53

summerscomingsoon · 28/05/2025 19:23

Not true. You have to declare all and any visits to gp. Meds taken and referrals in last 2 years sometimes longer.

If yiu have seen your gp re your back in last few years and nit declared it on insurance proposal form you will not be covered.

Show quote history

I said you need to declare according to the questions asked.
Not every insurance company asks the same questions.
So if they ask you have you seen a Dr / had any medication / been in hospital etc some might ask for last 12 months, some might ask for last 2 yrs. You need to be truthful according to the questions.

humptydumptyfelloff · 28/05/2025 20:06

Ah op this is really crap for you.
did you decide to go in the end?

Perroi · 28/05/2025 21:43

Most insurers want to know anything from the last two years. It's not always a specific question so does catch people out sometime. That means anything you visited a doctor about, any tests and any prescriptions. Even if it was flu that you fully recovered from.
My travel insurance is £300 because of health conditions but at least I know I am covered.
The thing is that failing to be honest can invalidate a policy and they will turn down a claim if something unrelated happens.

TheFairyCaravan · 28/05/2025 21:54

If you’ve had a bad back in the past, you need to declare it otherwise you won’t be covered. I’ve got a list of pre-existing conditions as long as my arm, but they all go down just in case. DH’s do too, including his bad back that doesn’t bother him now, but I’m not risking being stuck abroad with him laid up not being covered.

When DS1 was 5 we had to cancel our holiday because he was in hospital vomiting blood after what we thought was a D&V bug. The insurance company went to the GP to check it had never happened before before they paid out,

Clickjaw · 05/06/2025 06:33

Did you go in the end op?

Olderbeforemytime · 05/06/2025 06:51

AliasGraced · 27/05/2025 09:03

Insurance doesn’t usually cover pre-existing conditions.

Edited

It does if you inform them about it in advance.

Titasaducksarse · 05/06/2025 06:58

I once went away in our campervan to France for 2 weeks with a bad back, so bad I cried the first night away with pain.
I ended up just regularly dosing with painkillers and had a vibrating pillow thing partner found in the middle of Lidl that helped.
Diagnostically we found out a few years following a MRI I have a degenerated disc that decides to pinch on the nerves at the most random of times so it was very painful.
I can't remember what happened but the holiday wasn't ruined, I think I just managed the pain with meds best I could

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