General Medical issues thread

[Black Duck]

Thanks. Yes the card insurance still stands for other things. I am travelling with Mr black Duck and it covers him as well. Just going round the bend looking at the different policies. It is my u derstanding that if I make a claim for repatriation on the medical only policy, the CC insurance won't cover mr BD to travel with me. I don't think he can use the CC one if I am using medical only. Hopefully I am wrong but so far asking has come up with no.

Anyway if someone can recommend a decent company for medical only that would help me.

 

[Flyfrequently]

I started looking at a travel policy recently and basically said if you have been diagnosed woith cancer past 5yrs then move along we're not interested.

Wonder if they classify recent "Skin Cancers" as Cancer?
If pesky lesion has been removed and no ongoing treatment.
But then they ask have you had hospital admission-ahhh yep, excision and skin graft.
Yet to test the pre existing Quiz for 2026 trips !

 

[TheRealTMA]

Wonder if they classify recent "Skin Cancers" as Cancer?
If pesky lesion has been removed and no ongoing treatment.
But then they ask have you had hospital admission-ahhh yep, excision and skin graft.
Yet to test the pre existing Quiz for 2026 trips !

I would not even bother to declare it. Most Australians have had such.

 

[drron]

They actually refused on all the conditions. It was odd (not cancer ) husband has had other conditions declined but some conditions agreed.
His biggest issue is mobility and possibly breakages . So he needs all the insurance lol

If you are going o the UK don't despair. The ERs are free but clogged. But for non serious stuff like pain relief or minor truma they have nn acute trauma clinics. I usd one in Plymouth in 2019 after a fall in Spain. just wanted to be sure I hadn't broken a finger. Actually saw a nurse practitioner who was excellent.
My sister lives in Devon so knew of this centre and how to be seen quickly. They only open at 0900 so there just before and was second seen.

 

[Quickstatus]

Wonder if they classify recent "Skin Cancers" as Cancer?

Depends on the wording of the PDS - it all boils down to that.

Some PDS refer to "any type of cancer"

 

[Pushka]

Unfortunately, you just have to do your homework. Try insureandgo, try cover more, Medibank etc to see what gas the best for you. Remember that your CC TI will cover most events such as delay, lost luggage etc, so possibly you only have to add medical TI with a different company.

And one other thing to check is repatriation cover. Amex Business Insurance covers that but our BUPA TI didn't . Have found that with each trip the company we use will be different due to price fluctuations but always covering the same medical pre existing. Nonsensical.

 

[prozac]

And one other thing to check is repatriation cover. Amex Business Insurance covers that but our BUPA TI didn't . Have found that with each trip the company we use will be different due to price fluctuations but always covering the same medical pre existing. Nonsensical.

Am I correct in thinking if you do not declare an illness then you are simply not covered for it? You can leave off any condition you know will not cause immediate (near term) problems?

 

[Pushka]

Am I correct in thinking if you do not declare an illness then you are simply not covered for it? You can leave off any condition you know will not cause immediate (near term) problems?

What I'd do is ask for an assessment, and see what the costs, if any, might be, then simply not select it as you get the option not to have it covered. I'd also assess whether it's an issue that the insurance company might say somehow has contributed to a claim you may be forced to make later. Eg perhaps a broken bone in a foot that's healed recently but they may say might contribute to a fall you might have on a holiday. In the first case if you'd declared that then likely it would be covered for free as it's healed. But if you didn't declare it when taking out the policy then maybe you have a fall and the company might link the two and refuse.

Or maybe I'm overthinking it. I don't trust insurance companies. But I have had great success whenever I've needed to claim.

 

[Quickstatus]

Am I correct in thinking if you do not declare an illness then you are simply not covered for it? You can leave off any condition you know will not cause immediate (near term) problems?

Can be tricky.

I would think an ingrown toenail at Manly 2months prior to travel would not /could not be linked to a fainting episode causing a #hip in Croatia

But I don't trust insurance companies.

 

[VPS]

Am I correct in thinking if you do not declare an illness then you are simply not covered for it? You can leave off any condition you know will not cause immediate (near term) problems?

I am quite risk averse when it comes to travel insurance and would be very careful because the insurance companies will find anything to wiggle out of responsibility.

 

[RooFlyer]

Am I correct in thinking if you do not declare an illness then you are simply not covered for it? You can leave off any condition you know will not cause immediate (near term) problems?

I believe if you don’t declare an existing condition and it subsequently affects your trip, the insurance company will question your GP or the treating medical practitioner and if they find out it’s been treated or even enquired about previously, they won’t cover the costs. And it’s possible it may void the entire policy as you may be deemed not to have answered all the questions truthfully. So you may be denied coverage on some other items that might be covered.

So if you don’t declare a currently benign condition, it’s a trade-off between the extra premium if it was declared or maybe having the policy granted versus it being refused against the cost of the consequence of the condition if it actually occurs.

 

[Quickstatus]

Is there such a thing as under insurance in TI

Under insurance means that if you insure for property for 80% of its value, the insurer may adjust the payout down even though what's covered is for that 80%.

 

[TheRealTMA]

Is there such a thing as under insurance in TI

Under insurance means that if you insure for property for 80% of its value, the insurer may adjust the payout down even though what's covered is for that 80%.

Don't think that applies to TI and partcularly existing medical conditions. It's an all or nothing situation I suggest.

 

[mrsterryn]

We declare everything we can think of, even me being fat