Genetic Testing for cholesterol and insurance

[Coffeelover2]

Hi

The only test I have outstanding is a genetic test for familial hypercholeserolmia (high cholesterol) . I was told that insurers shouldn’t ask for genetic testing but looking into it FH is considered to be an illness and diagnostic tests can be disclosed. I know travel insurance companies are funny about tests being outstanding but I’m not sure if this is an exception? The debate appears to be over predictive and diagnostic tests.

[EU95PTM]

I too am awaiting genetic test results for FH. I am not planning on travelling abroad in 2024 but certainly plan to in the future and wondered how it will be viewed by travel insurance.

[Lowerfield_no_more]

It seems to me that as all insurance providers ask questions to assess your risk, which is unique for every individual, before offering a quote, it is up to them what questions they ask, so some might be different to others. Therefore I suggest you won't really know the answer until you fill out an online questionnaire for travel insurance cover, or talk to someone who is giving you a quote . Why not pick two providers like Allclear and Staysure to find out? You can only answer the questions you are asked, and do so honestly or you might invalidate cover later on. But in the end you will get a different price from each provider, assuming they want to cover you in the first place, whether they have included your test or not.

[Happyrosie]

adding to what Lowerfield has correctly said. I looked this up on the website of Association of British Insurers - go to ABI and put “genetic testing” into their search box.