Holiday insurance

[Mrdg]

I have booked a holiday and in the process of taking out insurance. When I come to the health question do I need to tell them of my eye problem?

Diagnosis - Central vein occlusion with neovascularisation as well as macular oedema.

I am having 2 monthly injections which will not be due for at least a month after my holiday.

Any advice appreciated. I don’t expect any problems while I’m away.

TIA

Mags

[Hidden]

Hi, I would say yes, tell them. Firstly because you never know if an emergency situation might arise and you need an inj sooner ( they are very expensive privately). Secondly if some other allied eye condition arises your insurance may not pay out if you have not disclosed.

Lastly, I've heard of insurers not paying out on unrelated matters because they deemed info had been withheld.

It will likely cost an additional premium so shop around. If you are in the UK try Benenden.

[Mrdg in reply to Hidden]

Thanks very much for your help eyesright. I was just wondering as I’m on no other medication. It’s just the 2 monthly injections. I’ll shop around some more and try Benenden which I’ve never heard of.

[Tetrazzini]

Yes - tell them. you should disclose everything that affects their risk.

[Mrdg in reply to Tetrazzini]

I’ve now had my insurance after sharing everything that I could about my eye problems.

The insurance I’ve taken is Good to Go and they were very helpful. It cost me £97.16.

I have 14 days to cancel if I wish.

Thanks for your help.

Mags

[rosyG]

I don’t think it makes much difference unless you are waiting for new tests/ diagnoses etc. You need to be covered while away in case you have any infection after injection. The first few days afterwards are most relevant but it can occur later and intravitreal antibiotics and other treatment would be needed straight away

[Mrdg]

Thanks RosyG.

[StokeySue]

I put it on my ongoing travel insurance as a pre-existing medical condition. They reckoned it was so unlikely to make me skip travelling they only charged me a one off admin fee to issue a rider to my certificate of insurance, can't remember the charge, but it was very little!

I think they are more worried about thinks like cardiovascular that might cause you to be flown home in an emergency, but if you fail to declare *anything* than can use it as a reason to say you haven't been honest so your policy isn't valid.

[Mrdg in reply to StokeySue]

Thank you for replying. I put down everything in the consultants report and had a very reasonable quote from Good to Go insurers.