Would you say a DOAC is a treatment for AF or not?

[dunestar]

Going through the process of applying for travel insurance with Staysure 🤔Not sure how to answer the question on how my AF is being treated. I don't take any medication as such but I do take a DOAC and I have Sotalol as PIP but I've never used it.

The options are

-long list of eg cardioversion etc which aren't relevant to me

-medication

-another form of treatment

-I've never needed any treatment but I'm still under follow up

I'm trying to contact the GP but their e-consult service doesn't seem to be available.

Anybody in similar circumstances who has been through the process?

[Hidden]

Hi dunestar,

If it were me I wouldn't say anything about DOAC at all. But I would disclose Sotalol and qualify it by saying it has been prescribed as a PIP but my condition is so well controlled I've not needed to take it.

John

[BobD Volunteer]

DOACs do not treat AF but they are a prophylactic against a stroke which can be caused by AF.

Knowing how insurance companies will do anything to avoid claims it is best to declare everything. In the unlikely event that you had an accident, treatment for which is exacerbated by the DOAC, you could find yourself without cover.

[Jalia]

Most certainly declare DOAC!! . It does have relevance to your condition. Also Sotalol with qualification. Do not leave any meds out. I can assure you from experience that in the event of a claim the insurance companies will do anything to avoid payout and your medical records will be gone through with a fine tooth comb.

[Hidden]

Like you, I’m also in the process of applying to Staysure for travel insurance. I think it would be a big mistake not to declare everything related to your AF…….I have just checked the application and although medication is offered as a method of treatment, when you declare it it does not ask for any specific information relating to what medication is taken. Similarly, it asks if you take any medication to thin the blood (sorry BobD) other than clopidogrel or aspirin but when you answer “yes”, you are not asked to declare which type……

[dunestar in reply to Hidden]

Thanks Flapjack. Are you doing your application online or via phone? I think I made a mistake in thinking it would be better to speak to someone. However I'm finding it difficult when they read out reams of information/questions and you have to grasp it all and pick an option.

[Hidden in reply to dunestar]

Online…..it was fairly straightforward

[Frances123]

Please declare it. It’s just not worth the risk not too. Ive just come back from abroad and looked at several companies for travel insurance beforehand. As flapjack has said, all of them after declaring Afib asked if I was taking aspirin, warfarin or any other blood thinner (again, sorry Bob).

[Tapanac]

Yes definitely let the insurance company know every one of your pills. I had a fall which caused a brain bleed snd because I was on apixaban the hospital had to give me a reversal drug. If anything like this happened without informing the insurance company of all medication they would not pay outAnyway you are supposed to carry with you at all times you are on a doac.

Good luck and enjoy your holiday

[Ppiman]

I would say that the AC is being prescribed because of your AF, so needs declaring along with the sotalol PIP.

Steve

[Ducky2003]

If I had an ingrowing toe nail I would declare it as insurance companies are notorious for trying to dodge a payout.

[kkatz]

Have used it Staysure for years.The answer is just medication.unless you are waiting CV or ablation

[dunestar]

Thanks all very much for your help. I'll opt for medication and declare all and sundry if necessary to cover myself.