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.

Last time I bought travel insurance I had to declare all my medications. HRT was one of those listed. Not really sure why!

Some of these answers are beyond patronising. The question I had to answer was 'do you have any pre-existing medical conditions'? That's it. That's all.
So it requires me to decide if using patches mainly as a preventative measure for heart and bone health and to preserve my libido is a 'medical condition'. When I initially took out the insurance I did not think so. I did not lie, I was not asked if I'd seen a GP or was prescribed anything or even offered a list of conditions to tick. I was just asked the question above.

After reading about having to declare EVERYTHING, I tried to do so on the portal (how they want you to add medical conditions and the same way i declared my husbands fungal nail infection) and the response was just 'we can't insure this person'. So I removed it again. I now need to decide whether to take out my own personal insurance as a perimenopausal woman in addition to the family policy.

I'm talking about the risk of osteoporosis as women age, which can be mitigated by taking HRT.

Some of these answers are beyond patronising. The question I had to answer was 'do you have any pre-existing medical conditions'? That's it. That's all.

Well, if that's the question, I personally would answer 'No'.

I know it's been discussed in detail but I'd not define menopause as a medical condition.

And to be specific, HRT is not prescribed as a preventative measure. It's licensed to alleviate menopausal symptoms. This is very clear in prescribing guidance. The heart and bone health are a 'bonus'.

It's only licensed as a preventative drug for bone loss and therefore someone may need to declare that if a) they had been diagnosed with osteoporosis and b) HRT was their treatment.

If it asked for a list of prescribed drugs that's one thing, but from what you've said, it's not something to declare.

This is the definition of a pre-existing condition taken from the Insure & Go website. There is a question about do you have any ore existing conditions and the information box next to it states :

• Taken any prescribed medication or required medical treatment within the last two years;
• Consulted a medical practitioner and/or been registered as an in or out patient at a hospital, clinic or GP surgery in the last two years.

So what the insurer considers to be pre-existing is very different to what you may think it is.
Many conditions do not attract an extra fee but you still need to declare them. DH has a very long list of very serious conditions which cost us a fortune to insure but adding things like throat infection, cataract surgery or covid (all of which he has had treatment for in the last 2 years) added nothing to the cost.

Many women have no risk of osteoporosis without taking HRT

And clearly you have a preexisiting medical condition for which you are taking prescribed medication

You are having medical problems with the menopause, yes? otherwise why would you be on artificial hormones?

Yes @twopennyworth I think you've made your opinion of taking HRT very clear from the numerous posts on this thread!

I've had it appear in a dropdown list. Declared it, made no difference to the premium. But I (and DH) have other conditions that mean a generic family policy isn't suitable, so the starting point is probably different.

And there are other things we can do to mitigate the risk.

You should mention it .. if not and you broke your leg.. they could say because you had a hot flush/ brain fog / or anything else related to the menopause that caused you to break your leg and not pay out.
Your insurance will become invalid if you don't put all medical conditions down... no matter how big or small.

I have no medical problems with menopause, but I take it for issues to do with libido and sexual function and because my mum has osteoporosis, so it's preventative against that.

I wouldn't say I had a medical issue.

I'm sorry but this is not correct.

Menopause is not classed as a medical condition, as you posted upthread.
Taking a replacement therapy to relieve the symptoms does not turn it into a medical condition.

They are not 'medical ' problems. They are symptoms which most women have and some choose to help them with HRT.

It would be medication if it was to treat or prevent a condition like osteoporosis, as an alternative to other medications for that.

Also, 99% of HRT are not artificial hormones. They are now called body-identical as they are identical to our own hormones (unlike the Pill.)

@twopennyworth Slightly off topic but you may have read in the press this week that there is a new drug out to treat osteoporosis. The stats that were quoted showed that by the age of 50, 2% of women have osteoporosis (although under-diagnosis is mentioned) but by the age of 80, 50% of women have it, and that's 3 million women in the UK.
So 1 in 2 women will get osteoporosis.

How odd, I recently too am admiral policy via a comparison website and was able to declare menopause and HRT as meds. Unsure what increase in premium was for that as between us we had a few things we declared

How can this be interpreted as a medical condition?

It's not logical.

It depends on the forms. OP has made that clear. It doesn't ask her if she has seen a GP or taking meds.
You're mixing up two different things.

Menopause is NOT a medical condition.
Taking something that's prescribed to relieve symptoms doesn't turn it into a medical condition.

Op have you tried just calling them perhaps? I know it's old fashioned, but sometimes achieves results!

I have admiral insurance and it just asked me for conditions so I put "menopause" and it just came up with " no questions" there was no place to say I was on medication

I also have "dysfunctional uterine bleeding" in there as when I originally bought the policy I had had investigations for post menopausal bleeding just less than 2 years before I bought the policy. I could not find PMB so even phoned them up and explained and their medical team said it was DUB .... totally different conditions with PMB being potentially serious...as a doctor I found it strange and was annoyed I could speak with the medical team myself.

I declared menopause but nowhere to put medication though I ticked box to say I was on medication...they just said "no further questions" and no charge either. I also declared mild depression as had in the past but off medication for years again no charge. I'm not sure why the OPs application is saying they can't insure...seems crazy.

It's never occurred to me to declare perimenopause or HRT

We have a family policy with our bank account.

I had to declare it on mine but I was specifically asked if I was taking any prescribed medications. It didn’t affect the policy and I didn’t actually have to list the meds, they just put down HRT.

OP, it might be worth telephoning to clarify what they mean by medical condition. It clearly varies between insurers.

No. Maybe things have changed in the past 15 years but it never occurred to me. You might as well say hay fever is a medical condition and declare that you are taking antihistamine because that would never occur to me either.

I went abroad a year after my hysterectomy and didn't declare that because I was no longer under the hospital and I felt fine (better than ever tbh).

I tried to add perimenopause. I’ll go in and try again with menopause. As I’ve had a mirena for ten years and no periods I have no way of knowing.

I've seen it all now..... neither "perimenopause" nor "menopause" is a medical condition. Please stop trying to shoot all middle-aged women in the foot, because the more you medicalise normal life events, the more employers/suppliers/ companies etc will try to penalise us.... even though we are not ill, we are completely fine.