myocarditis

[kipper1958]

My partner has made a full recovery from myocarditis,MRI, Angiogram and Echo have all been normal,will this affect our holiday insurance?

[Hidden]

Well he has no documented heart problems does he? So no need to disclose any as he has none - however when asked if he has ever had bla bla bla - you must still disclose the positive reports

[Gardener17 in reply to Hidden]

The questions usually refer to hospital issues over last two years. Read them carefully.

[kipper1958 in reply to Gardener17]

Thank you for taking the time to reply.

[elliebath in reply to Hidden]

He does have medical history and should declare it. The insurers will decide if it's an issue or not and adjust his premium maybe. With insurance you can't avoid the past history question without actually lying .

[Hidden in reply to elliebath]

Thats what I said Elizabeth but thanks for repeating it - always worthwhile

[elliebath in reply to Hidden]

I'm actually facing the same problem . My blood tests, bp, ecg and angio scan were all favourable and 0% calcification. But i still get angina symptoms and being quoted up to £1200 for usa travel insurance .

However the high cost of treatment is not worth taking the risk. One chap I knew couldn't even get an urgent ambulance to come to his wife as not insured. Luckily he had high credit on his card !

[kipper1958 in reply to Hidden]

Cheers

[kipper1958 in reply to Hidden]

Cheers

[Prada47]

Read the wording it may say has any Hospital Tests been carried out in the last 12 months or words to that effect. What you could possibly do is contact another company tell them and see if they load the policy ? Playing with Insurance Companies is dodgy at the best of times !!!

[elliebath in reply to Prada47]

Under Pinned Posts below you will see a topic on Travel Insurance and some suggested companies for comparison

[kipper1958 in reply to elliebath]

Ok,thanks

[kipper1958 in reply to Prada47]

Cheers

[kipper1958 in reply to Prada47]

Cheers

[kipper1958 in reply to Prada47]

Thanks

[kipper1958 in reply to Prada47]

Cheers

[elliebath]

Travel insurance companies will ask if "you EVER had " a condition, a hospital referral or treatment for. ...etc etc

If you answer NO and therefore don't declare it then your whole insurance may be void if you need to make a claim. I worked in the travel business for 30 years and sadly knew horror stories where people didn't disclose previous conditions and were not fully insured for their trip. Treatment/ hospitalisation in some countries can run into tens of thousands of pounds. One case I knew cost £45,000 and that's not rare.

Your husband should still be able to get insurance but you must declare all previous illnesses or investigations . The premium may be higher but at least he'll be insured for peace of mind.

[kipper1958 in reply to elliebath]

Cheers

[Prada47]

I was working in the USA when I had a leaking AVM in my brain . The question asked at the ER reception "was do you have Insurance" ? luckily my Wife had the card in her handbag the receptionist scanned the card and said OK anything you need !!! Oh and then after checking the insurance on a scale of 1 to 10 how bad is the pain !!! Priority !! To cut a long story short the 1st bill was for $270,000 then they started to roll in at around $4000 a time for various things.

Now I put this down for a laugh every morning this Doctor would pop his head around the door and say " Hello Mr W how are you feeling today " I mentioned it to the Nurse what a nice chap the Dr was, he asks me every morning how I am feeling it really nice of him to enquire.

The Nurse just said that goes down on the Insurance every day as a consultation LOL

[kipper1958 in reply to Prada47]

Thanks

[elliebath in reply to Prada47]

Yes it can certainly cost "big bucks " that's for sure 😊

[Hidden in reply to elliebath]

No wonder there is so much medical poverty in the US. In a civilised country it is really quite barbaric to refuse people treatment because they are poor or have no health insurance - or not enough.

[Prada47]

One of the reasons for the hefty bill was my company wanted me to stay working in the US so I opted for Gamma Knife surgery to obliterate the AVM, this was in the US. It was the only time I would be told, this is more Serious than your Heart Attack. I think this is why I have a Positive outlook, more Optimist than Pessimist !!! One thing I can say is should you need Brain Surgery in the States, the Methodist Hospital Jackson Mississippi is the place !!!

[Hidden in reply to Prada47]

AND it would appear they are also close to god

[Prada47 in reply to Hidden]

Ticking Ticker an awful lot of people in the US have medical Insurance via their Work or even their Church community. I spent just over 3 years working in the US ( Mississippi) and most Americans are comfortable with the system they have. No one gets turned away from treatment, OK without Insurance there is no After Care, you are patched up and tossed out.

Personally I think our enforced Health Insurance is OK but it is just OK. Look at all the posts on here regarding missed diagnosis etc. Oh and not lets forget North Staffs that was the NHS at it worst.!!! Just some thoughts on ours and others systems of Health Care.

[Hidden in reply to Prada47]

There are exceptions to any system - however I would back the NHS over any money making medical centre in the United States