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Viewing 10 posts - 1 through 10 (of 10 total)
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  • #31241
    Whitey
    Member

    I wondered if anyone declares their WLS when taking out travel insurance? I have just taken out an annual policy and because my husband has several medical conditions I have to use a specialist insurer which covers pre-existing conditions. I found weight loss surgery under the obesity category. Interestingly it didn’t ask when the surgery took place. I know insurers use any excuse not to pay out if you make a claim so wondered if everyone considers it important to declare their WLS.

    #49087
    Lauren
    Keymaster

    I never have. I have never seen the relevance of it to be honest. It improves our health after all!

    I think the obesity clause possibly refers to someone travelling who is obese still. In some cases, they make you book two seats and I have been asked to move seats before as I was a ‘health and safety hazard’ – I might block the escape route. It was one of the most humiliating moments of my life I have to say.

    However, please don’t take my word for it!!!

    Doodah x

    #49092

    Heya I have worked for various insurance companies…. Whatever you do declare your surgery… I don’t want to scare monger but insurance companies are squirmy little g**s… If they don’t have to they won’t pay. Surgery is counted as a pre existing condition. I once had z case where the man had critical illness cover … He got a critical illness … Cardiomyopathy… They refused to pay as he failed to declare he had a knee op aged 12… So very wrong but so very true …. Please please please declare any conditions …. They may even cover it for a few extra pounds … If they exclude it so be it but if you just don’t declare it they’ll use it against you in the event of a claim xxxx

    #49088
    Lauren
    Keymaster

    Thanks for that Squeaky. I still won’t be doing it! If I had to declare everything I would never leave the country! I’ll take my chances. Reckless? Yes. But I stopped worrying about all the things that ‘could’ go wrong almost 5 years ago.

    Doodah x

    #49093
    Paul-H
    Participant

    Just to confirm what some of these companies are like, we booked this years holiday and took the insurance offered by the travel agents, now obviously because of my medial and surgical history we had to phone them to get a new rate for me. But before we even got to tell them about my medical issues the wife told them about hers, they didn’t mind that she had had brain surgery 2 years ago but doubled her rate when she told them she suffers from cold sores, I kid you not.

    She didn’t even bother telling them about me and just cancelled it on the spot. We ended going with a company recomended on here and they charged a lot less even after they knew all about me.

    I think it was this lot we went with.

    Pre existing conditions life insurance – existing conditions insurance – pre existing life insurance –

    Paul

    #49094

    @squeakyfruitbat 27514 wrote:

    Heya I have worked for various insurance companies…. Whatever you do declare your surgery… I don’t want to scare monger but insurance companies are squirmy little g**s… If they don’t have to they won’t pay. Surgery is counted as a pre existing condition. I once had z case where the man had critical illness cover … He got a critical illness … Cardiomyopathy… They refused to pay as he failed to declare he had a knee op aged 12… So very wrong but so very true …. Please please please declare any conditions …. They may even cover it for a few extra pounds … If they exclude it so be it but if you just don’t declare it they’ll use it against you in the event of a claim xxxx

    Travel insurance fills me with dread, I have made several claims on a pre existing basis and luckily they have paid out! For 2012 I could not find anyone prepared to cover me due to possible torn cartilage, it drove me around the bend ringing up companies same with every one, the only cover I could have would not cover any pre existing conditions, it was not a risk worth taking. Especially when I went back to the orthopaedic consultant a year later and he said oh no your bone on bone there is no cartilage left, just as well he was stood far enough away I couldn’t reach him, if he had told me that at my previous appointment I could have been on my holiday of a lifetime, sadly at that point I had already arranged my gastric bypass.. All because he said I think you have torn the cartilage in your knee. Furthermore as soon as he found out about the bypass he said now we will talk about knee replacements……..

    Insurance is very tricky subject having also worked in that field. I dread the thought of needing to claim and it being refused. You must consider travelling if your not properly insured would you lose your car, house etc to pay for medical bills abroad and the need to be repatriated back home?????

    #49095

    Furthermore gastric bands apparently get classed as cosmetic surgery which is not covered. Anyone who has a gastric band that slips is a medical emergency. This was a point raised by Mr Somers and part of the reason both he and I thought a bypass would more suit my lifestyle. If you are half way across the Atlantic on say Queen Mary 2 and your band slips your into very big money and difficulty, although medical facilities are onboard it is not a hospital just a medical centre. Or on a long haul flight.

    #49089
    Lauren
    Keymaster

    I don’t own anything so I have nothing to lose!!! I am not going to disclose it as they would ALWAYS find a way of wriggling out of it and that would make me angrier than is beneficial to my health. The irony eh?

    Doodah x

    #49091
    shelleymarie
    Member

    I declared my surgery when I travelled. It was only 6 months post op and I was still worried something could go wrong, have a slight fear of twisted bowel. It cost me about £20 more than no illnesses/pre existing condition but felt better to be safe than sorry. Although I deal with insurance companies daily and they do try and get out of everything even if you think you are covered, bit of a nightmare x

    #49090
    Lauren
    Keymaster

    It’s funny because I asked my husband about this and guess what? Because we were going to the Maldives and would have to be airlifted to the nearest hospital, he actually insured me to be on the safe side. He just didn’t tell me!! He was more worried about me having an asthma attack to be fair but he declared everything about me!

    Now, in one way I think that is sweet and overprotective but in another, I was ruddy well annoyed. It should be MY choice. I know that sounds really petulant but It made me feel like I used to when I was big: having no choice over my own destiny. The poor man can’t do right for doing wrong!!

    Just thought I’d tell you all.

    Doodah x

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