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Travel Insurance

I have recently been investigated for what my GP thought was an Angina attack..CT scans stress MRI scan showed that I didn't have Angina but I do have coronary artery disease which they are not going to investigate further as it's age related. I will need to buy travel insurance soon and wondering if I should tell them about the coronary artery disease which I wouldn't have known about if they hadn't investigated for Angina? Since my renewal last year where all I had was asthma I now need to add high BP am also on I am not having treatment for CAD will my insurance costs still increase?

Created By on 29/10/2016

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2nd Nov 2016 14:30:14 (Last activity: 2nd Nov 2016 20:37:34)
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I have to agree with CaroleAH, it is important to declare any new condition. I found that telling them my cholesterol level was controlled well on statins ( I have Familial hypercholesterolaemia) and that my raised BP was also well controlled meant my cost didn't increase. CAD that does not require treatment shouldn't, in theory, increase costs. If they do then it is worth comparing them with other companies as they differ in what they 'count' as relevant. It is worth remembering that even if you are treated for something unrelated to your health conditions insurance companies have been known to refuse payment on the basis that you withheld information.

A number of years ago when we renewed our travel health insurance and a few months after my cholecystectomy, we were told they wouldn't cover my 'gall-bladder'. I thought, that's fine I now don't have one. They obviously meant anything that may have related to the surgery but worded it in such a way that I could have successfully challenged them should the need have arisen!
Response from daisym Original Poster made on 2nd Nov 2016 20:37:34
Thank-you Jeanmark and CaroleAH for your never occurred to me that if the conditions are being well controlled it may not increase my premiums....hopefully if it does it won't be a huge increase!
We have been with Staysure for a number of years ..but I reckon it's still worth doing a search on the comparison site. anf1408 thanks for the suggestion.
2nd Nov 2016 12:46:03
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Hi DaisyM,

Although I agree with the comment below about checking on price comparison websites to get the best deal, I would also advise that you should definitely declare the CAD on your insurance declaration along with the high BP and cholesterol. Having worked in a GP surgery I know that insurance companies will try and get out of paying if at all possible. They will ask for a full copy of your medical records to check the information which you gave them. You are, of course, within your rights to refuse them access to your records but if you do, they would think that you are trying to hide something and probably wouldn't pay out. The investigations for the possible angina attack and the decision that you don't need treatment will all be recorded in your medical notes. Surely, it's better to be safe than sorry? Another gripe of mine is the number of people who pay thousands for exotic holidays and yet won't pay for the travel injections and malaria tablets which could save their lives or, at least, save the NHS a lot of money on treating (the preventable diseases) when they return home. Rant over - it's lunchtime!
29th Oct 2016 09:35:22
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Hi daisym,

One of the ways to find out the effects of adding a new condition to your travel insurance would be to enter all the details on a comparison website (, etc.). You could obtain quotes both with and without declaring the condition to see the effect on your insurance premiums. Hope this helps.

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