Travel Insurance

[dawntildusk]

This may be a silly question bit i am booking a honeymoon and wonder if i still need to declare endo. I had a TLH RSO and stage 4 excision at the end of 2017. I am currently discharged from the hospital.

[EndoJaz]

I paid an extra £10 when declared the endo so it's not a stupid amount.

[dawntildusk in reply to EndoJaz]

I managed to get cover including my adeno and endometriosis previously which cost me around 70 pounds off the top of my head but this time im thinking i dont need to declare either as i have had difinitive surgery since and had it all removed 🤔🤔🤔🤔

[HarrietC]

Have you two been able to get life insurance? Honestly tried several companies when I first got a mortgage but the moment I mentioned my endo and cyst removal no one wanted to touch me.

[dawntildusk in reply to HarrietC]

I dont have any life insurance. i think a lot depends on if you are under a consultant awaiting some sort of investigation or surgery. If so, then they are likely to treat you as you may have a terminal illness.

[HarrietC in reply to dawntildusk]

Well I am constantly under the care of a consultant and so yeah it's been impossible for me to do thing the correct way 😔

[GrittyReads]

TI companies vary in their terms and you need to read the fine print very, very carefully! Even if the surgery removed all the endo, I would imagine that most companies will have a time period, during which you still have to tell them about all recent treatments and surgeries. It will vary with different companies and they often don't tell you - easily - you have to search for the terms and conditions.

TI companies are basically there to make money - a few years ago they had the worst record with complaints to the ombudsman, and were told to get their house in order. Whether they have done, since, is debatable.

Endo is difficult, because we are constantly being fobbed off by some medics - who still take the attitude that it is 'just period pains'. I wasn't declaring mine for years, because nothing much had ever been done about it, recently; but then somebody - on here - told me that I still needed to declare it, and explain the current situation. I did, and the company I then used (World First) didn't increase my payment. But I have not been outside the UK for a few years (I'm carbon footprint, conscious) so do check them thoroughly in case they have closed (!) or even just dropped their standards.

[SarahMia227]

I always declare mine on travel insurance - pushes it up by £5-10. I figure that it's highly unlikely, but if I did have an endo related problem abroad, I don't think it's covered if you don't declare it. I figure it's worth covering yourself for everything!

[dawntildusk]

i dont mind paying the extra. just thought now everything was removed should i be classed as endo free after 2 years?

[SarahMia227 in reply to dawntildusk]

My gut instinct is no, because it's never really "cured" and it's still an underlying condition? That's just a guess though!