Travel insurance

[Blues1]

Is there a need to include PMR for travel insurance?

[jinasc]

All medical conditions must be included on any insurance. If you miss one, then the insurance is invalidated even if it for some other problem.

PMR is an auto-immune long term illness.

[Cyclegirl54]

Definitely, as by not declaring a health condition may invalidate policy.

[SnazzyD]

Yes! Even if you break your leg, if it comes out that you withheld information they can say your policy was invalidated.

[SheffieldJane]

We pay another £70 a year with our travel insurance ( Lloyd’s Bank). It can be an unpredictable disease.

[Lovebikes]

Weirdly it can depend on the insurance. Mine asked all.sorts of questions about whether I'd seen a consultant in a hospital in the last 6 months, whether I'd had cancer, heart conditions etc but never directly if I had any health conditions. I phoned up to ask and was told that sol long as it was only dealt with by my GP it wasn't relevant!

[Blues1]

Thanks all, I've got annual insurance with everything added now just in case. Didn't realise how costs for adding medical conditions can differ. Spent some time on line and got a reasonable price my current insurance couldn't match.

[PMRpro Ambassador in reply to Blues1]

Are you in the UK? Insurance there is all about hooking you with a low quote because you are never likely to need it! As soon as you might actually call on their services they shove the price up or look for a get-out clause: there was a recent case where a company tried to get out of paying for the cost of ICU treatment for someone who had a cerebral haemorrhageor something on the grounds she hadn't declared being prescribed a pack of antidepressants by her GP years before. When I seek holiday insurance here it costs far far more than in the UK, but it does for everyone. It asks if you have had in-patient treatment for something in the last 6 months and if you have you need a letter saying you are fit to travel and there may be some restrictions on cover for that but otherwise everything is covered.

[Blues1]

Yes am in U.K.