Travel insurance on HRT??

[museumum]

Does everybody on HRT declare perimenopause on their travel insurance? have you had problems?

I can't add it to my Admiral insurance - they won't insure me - and refer me to specialists for people with medical conditions (!?!)). The policy is for a year for the whole family so I'm considering just risking it till it's up for renewal.
I have no symptoms and tbh went onto oestrogen patches quite readily without serious issues (I already had a mirena).

I'm worried obviously that I'll break my leg skiing and they'll use this not to pay up, or not to pay up for a cancelled flight or something unrelated....
But how likely is that? Has everybody else declared perimenopause as a medical condition and moved to a specialist insurer? I'm 48 so statistically it would be surprising if i wasn't in perimenopause.

Thanks.

Im also on patches but it wouldn't even occur to me to disclose it in the same sense that I never disclosed I was on the contraceptive pill, but that's just me so no real help I'm afraid.

I had no idea about this. I usually use comparison sites and it gives drop down menus for existing conditions so I add it there and not had an issue. I'm with Southdowns.

It seems a bit mad to be referred to specialist teams!

Wouldn't even occur to me to even mention it. It's not exactly a medical condition is it? It's just aging...

I always declare it - it’s always deemed a minor issue and had no consequences on the premium. I very much doubt Admiral would not insure you or refer you. They will most likely just sign it off as it has no implications for travel.

If you are on medication then it is a medical condition and your insurance is invalid if you don't declare it.

Most menopausal or perimenopausal women are not on HRT and so for them it is not a medical condition

No.
It's not a medical condition and every single woman goes through it.

It doesn't need declaring.

@Longma That's not always the case. The questions differ . They usually ask if you are waiting for a consultation with a specialist, if you are waiting for test results etc. I've never had a form asking if I use medication.

Yes but doesn’t impact insurance.

I’m on the combined birth control pill as I’m otherwise fertile and dont want children. Many women are not on the pill. Is being fertile a medical condition I should declare?

There was a long thread about this last week:

https://www.mumsnet.com/talk/am_i_being_unreasonable/5133194-to-think-travel-insurance-is-an-utter-scam

If you are asked to declare medication then you obviously need to declare medication otherwise your insurance is invalid. It isn't complicated!

But most travel insurance asks for medication other than contraception.

But if you are taking medication for the menopause, then obviously you have to declare it. Most women never take HRT. Most women do not have medical complications with the menopause. So if you do, and are being asked by insurance whether you have ma medical condition, then you need to say so

I don't know how anyone is confused by this, it is very straight forward

I have never seen a question where I've had to declare HRT.
The questions I've had to answer refer to waiting for appts with a consultant, or waiting for tests/ test results.

I’ve never declared that I take HRT because there hasn’t been a question that asks this. I’ve been asked if I’m waiting for test/scan results but not if I’m on any medication.

Then if you are not asked, then fine! Most travel insurance asks for details of current medical conditions and medication, but if you are not asked, then obviously you don't have anything to answer.

My experience has been the same as @Mainoo72

And I'd query if menopause was a 'medical condition'.

The issue with declaring HRT (if it was mandatory) is that different types have very different risks. I'm not sure that an insurance company has got the algorithms sorted to differentiate between tablets that have a higher risk of DVT and other types that don't.

The only questions relating to health on the forms I've completed are a tick-list of very serious illnesses which you have to declare. And even then you can choose to take out cover but exclude those conditions.

Of course insurance companies have the algorithms! That is literally what they do! And anyway, they don't care particularly. What matters to them is setting a premium at the right level to still make a profit when they have paid out all claims, so they don't care about the details of the medication, they care about the chances of a claim, and that is what they base their calculations on

The menopause is not a medical condition. Most women take no medication and have no medical management. If you have medical problems associated with the menopause and take medication such as HRT for it, then that is a medical condition, and needs to be declared if asked

There is so much about HRT on Mumsnet that we lose sight of the fact that taking it is not the default.

My travel insurance (with my credit card) asks what medication you are currently taking, so I have always declared HRT patches - I have never had to pay any extra.

It never occurred to me to declare HRT when I was on it. It's not as if you'd need to access emergency medical services abroad due to menopause.

I would think a woman on HRT was less of a risk than a woman of the same age who wasn't, in terms of the example of breaking bones on a ski trip.

If you are going skiing, then you need to declare you are going skiing, and the insurance company would work out the risk. And no, why would someone who doesn't need HRT be more at risk? But anyway, your opinion or mine doesn't matter, the whole point of insurance is THEY calculate the risk. But you need to answer their questions accurately, otherwise the risk they calculate is wrong, and he insurance is invalid.

if you are asked about medication, and are on HRT - tell them!

If you are asked about activities, and are going skiing - tell them!

What I meant was that although they do have algorithms, I wonder if they differentiate between different types of HRT / dose and risks (like DVT when flying.)

As I said, no forms have asked the question where I needed to declare any of this.

So would someone using vaginal estrogen declare that? Especially when one type can be bought OTC?