Holiday insurance

[MammaCass]

As you know I'm up for an ablation in the spring, when it's all done and dusted, will I still need to declare it as a pre existing condition for travel insurance, or will having this procedure mean its not a pre existing condition anymore ?

[BobD Volunteer]

Interesting point MammaCass. I suppose the correct legal answer is that it is a pre-existing condition. Although you hope the ablation will sort it, there is no guarantee that it won't come back. There is still little long term data + five years and there is supposedly a 50% chance of return within that time even after successful ablation.

Because I don;t have AF any more. I never bothered to advise DVLA as I never found out I should have until I was "cured" but I do worry that may be grey area. For sure if it ever came back I would this time round.

Best to tell them as you would look pretty silly suffering an even needed hospital care and find you weren't insured.

When I spoke to a life insurance company about that subject their criteria was five years symptom free before cover.

Bob

[MammaCass in reply to BobD]

Thanks Bob, just planning ahead, all being well, I intend to spend most of next winter in Portugal, so I'll declare the AF and go get warm!!

[weezergeezer]

In my case I declared it, and they charged me an excess I think £500 GPB, if I make a claim with anything associated with Afib

[Lucybod]

Goodtogoinsurance although expensive has no age limit and you can have any medical condition. It's platinum insurance has no excess.

[Lizzo]

I think it's essential to declare any existing conditions. I rang SAGA and explained. They are very experienced at this sort of thing and were able to advise me, and, for an additional premium, cover my AF. It would be disastrous to find out you weren't covered if you fell ill, because insurance companies will have no qualms about not paying up if they can find a way out of it!

[Hidden]

Always declare AF. You never know when it will return. The ins co will ask the appropriate questions and make the decision on cover for you. I have never been refused cover unless I was awaiting a procedure in the 20+ years I have had the condition. Sandra