Holiday insurance

[Hazbil65]

Hi all my first post

Do you have to declare AF on holiday insurance

[CDreamer]

Yes, otherwise any illness that could possibly be related to AF will not be covered. Usually there is a small loading on the premium but unless you take Wafarin and need INR testing, it isn't a lot as long as you have had no emergency admissions within the last 12 months or are awaiting tests. I have found that age is the main determining factor of loading rather than any declared condition.

Certainly not worth the risk of not declaring and don't forget that Spain & US tend to be more expensive than Europe.

You will need to complete the medical questionnaire.

[meadfoot]

Yes you do. Otherwise you will not be covered if you need treatment or claim while abroad. The af association have a list of travel insurers on their website who are arrhythmia friendly. However of course it depends on all your conditions and arrhythmia status ie are you awaiting tests, any unplanned hospital visits in last one to two years etc.

Also if you drive you need to declare it to the DVLA. There is a form on their website. Non disclosure can generate a hefty fine. Many people with af are allowed to drive but it is down to DVLA to decide dependent on your particular case.

Remember you need to inform your car insurer too or they would not deliver if you needed to claim.

It's a nuisance but better safe than sorry.

[rosyG]

agree wit what has been sid already- I have found M and S and Saga to be reasonable

[Hidden]

Yes.

[10gingercats]

Yes.

[Pacific]

On DVLA's website, dated March 2016 you can drive if the underlying cause has been identified and your if AF had been under control for at least four weeks. You only need to inform them if there have been any disabling or distracting symptoms.

[Pacific]

Sorry, I replied to the wrong posting!

[Fearnie]

I rang my insurer, AXA PPP, and was told that I didn't need to declare it. As long as I was fit to travel, ie not against doctors orders, then I was OK. Recently had an episode of AF in Spain and had 6 hours in A&E (doctor was brilliant). I was only asked for EHIC card. No mention of insurance at all.

[Steve112]

Do I need to declare AF as I have no symptoms whatsoever and as far as I am aware have only had the 1 episode approx 5 years ago..yet I am on Bisoporol just in case it ever returns....

[Omniscient1]

I went through World First - who have a specialist section that deal with 'medical exceptions' and went through it on the phone with them. Service was very good.

Better to declare it since benign though AF is, if you tick the 'do you have heart problems' on the form you'll get a higher price so better to explain. If you don't declare it (dont tick that box) then if you do have to claim for a medical reason as they will try to avoid paying you it will trip you up.

[Patient007]

YES YOU CERTAINLY DO HAVE TO.