My partner had a severe TBI in July 2017. He was in hospital for 5 weeks. We went on holiday in June 2018 and so I got a travel insurance policy with all of his injuries/complications in hospital declared. I believe the medical questions for this particular insurer asked about hospital admissions/medications etc. in the last year.
We are going on our honeymoon in June this year so nearly two years on from the accident. Obviously I won't need to declare most of his injuries (e.g. broken bones) or the hospital stay itself (as it will be over a year ago) but does anyone know if we will still need to declare the brain injury since he's still dealing with the consequences of it? By this I mean that you don't really "stop" having a brain injury, so does this count as a "pre-existing medical condition"?
I'd ring and ask the insurer for clarification but they are useless - any questions like this and they just say to ask your doctor (which I understand, but GPs can't tell me if a travel insurance company is going to refuse to pay a claim due to an undeclared brain injury!).
Thanks in advance for any advice.