Travel Insurance

[_Paul]

Hello All,

I was hoping for a little advice regarding declaring existing conditions on travel insurance. I realise it is always better to be a honest as possible to avoid voiding the policy, but I also do not want to exaggerate anything and increase my premiums unnecessarily. So to my question.

I have mitral valve prolapse with moderate regurgitation, which I have declared, but it has also been noted that I have Incomplete Right Bundle Branch Block. I may be wrong, but I believe this is likely due to the valve problem and not really a separate condition? It is possible to select RBBB as a condition on travel insurance, but it does not distinguish between 'Incomplete' and 'Complete'. I was under the impression that complete block would be more important to declare.

Furthermore, the insurance has the option to select heart rhthym disorders. I suffer from noticeable palpitations, but again feel this is a result of the valve problem. Also, couldn't a Branch Block be considered as heart rhthym disorder?

It all seems a little confusing and I'm wondering whether I'm overthinking all these conditions and unnecessarily increasing my premium.

Any opinions on this would be greatfully appreciated.

Thanks

Paul

[Lopas]

Have you spoken to an insurer or are you ticking boxes on a website? Years ago when I as "merely" suffering from hypertension there was no extra premium for taking one medication but a supplement if taking two - this only came to light in discussion.....

I work on the principle that if they can avoid paying out then they will so it's important you have an agreed position.

[Daffodilia]

Maybe speak to someone on the phone? Sometimes you need GP to say you are fit to travel. Declare everything - my husband had heart attack abroad and there was a delay before they confirmed he was covered ( we were racking up private treatment in the meantime) We use Saga - expensive but cover pre existing conditions.