Travel insurance pre existing condition

[cruisine21]

I’m waiting to see a specialist about a test result. Reading the 1Cover policy they say you need to disclose a pre existing condition if it’s under investigation. How do I disclose the pre existing condition if I don’t know what the condition is or it may be nothing.? Even if I see a specialist I probably won’t know what it is until I have further tests.

[GUT2407]

34 minutes ago, cruisine21 said:

I’m waiting to see a specialist about a test result. Reading the 1Cover policy they say you need to disclose a pre existing condition if it’s under investigation. How do I disclose the pre existing condition if I don’t know what the condition is or it may be nothing.? Even if I see a specialist I probably won’t know what it is until I have further tests.

If you being investigated for something you need to disclose it, really it’s that simple.

 

lets say you had tests for cholesterol, and don’t disclose that fact, you then have a heart attack, insurance company looks at your records, not disclosed so claim denied.

[cruisine21]

31 minutes ago, GUT2407 said:

If you being investigated for something you need to disclose it, really it’s that simple.

 

lets say you had tests for cholesterol, and don’t disclose that fact, you then have a heart attack, insurance company looks at your records, not disclosed so claim denied.

 

The test was for cancer

[Docker123]

Noting, everyone’s circumstances are different ...

 

The approach I am taking is that I have booked on a non-refundable deposit, cheaper than the insurance premium. I am in the midst of ct scans, blood tests, and scopings as a 12 month follow-up.

 

All being well, I can proceed with getting insurance (depending upon the loading for pre-existing). If that is an major hurdle, or something else arises in the tests, I still have another 6-8 weeks before final payment.

 

As Mr Gut indicated, you must disclose. The company may follow up with the docs or require Dr letters for a clearance.

[GUT2407]

3 hours ago, cruisine21 said:

 

The test was for cancer

I hope it comes back clear, but even more important to declare.

 

the costs of the cruise isn’t my issue, but the cost of medical or emergency evacuation (airlift etc) and repatriation back home, in fact that’s the primary reason I’m keeping my cruises to Australia for the foreseeable future

[GUT2407]

15 minutes ago, Docker123 said:

Noting, everyone’s circumstances are different ...

 

The approach I am taking is that I have booked on a non-refundable deposit, cheaper than the insurance premium. I am in the midst of ct scans, blood tests, and scopings as a 12 month follow-up.

 

All being well, I can proceed with getting insurance (depending upon the loading for pre-existing). If that is an major hurdle, or something else arises in the tests, I still have another 6-8 weeks before final payment.

 

As Mr Gut indicated, you must disclose. The company may follow up with the docs or require Dr letters for a clearance.

That’s not a bad plan though my deposits are usually refundable as I said above it’s not the cost of the actual cruise (that money will be gone either way) but the costs of something going wrong.

[MicCanberra]

5 hours ago, cruisine21 said:

 

The test was for cancer

I hope it comes back clear. In any case, if you already have the insurance then you do not need to worry. If you are still applying, you need to tell them you are having the tests but do not have the results.

[MicCanberra]

Medical, Medical evacuation and repatriation costs are really the only reasons I worry about getting insurance in the first place, everything else can be covered relatively easily.

[NSWP]

Had to visit the Doc on Noordam recently. US$136 later. Excess on the travel insurance (NRMA - Covermore) was AU$250.  So no can claim.  Such is life.

[GUT2407]

6 minutes ago, NSWP said:

Had to visit the Doc on Noordam recently. US$136 later. Excess on the travel insurance (NRMA - Covermore) was AU$250.  So no can claim.  Such is life.

$136 seems low, years ago Mrs Gut had a fall when a tender sprang a leak and needed some butterfly strips on a small cut, $250 on our bill, but they reversed it as acknowledged it was their fault (in all honesty I didn’t think it was really anyone’s fault). That must have been about 2007 I think.

[NSWP]

1 hour ago, GUT2407 said:

$136 seems low, years ago Mrs Gut had a fall when a tender sprang a leak and needed some butterfly strips on a small cut, $250 on our bill, but they reversed it as acknowledged it was their fault (in all honesty I didn’t think it was really anyone’s fault). That must have been about 2007 I think.

Mine was for a consult and pills. US$136 not AUD !!

[MicCanberra]

That is cheap, I had a bill of $895 USD for a consult and a drip for an hour. CC insurance paid it out when I claimed on my return. No access back then.

[NSWP]

17 minutes ago, MicCanberra said:

That is cheap, I had a bill of $895 USD for a consult and a drip for an hour. CC insurance paid it out when I claimed on my return. No access back then.

Holy Moly.

[MicCanberra]

39 minutes ago, NSWP said:

Holy Moly.

Yeah, lucky the credit card had some wriggle room for that sea board account.

[Docker123]

 

Those single malt drips never come cheap.

 

[MicCanberra]

1 hour ago, Docker123 said:

 

Those single malt drips never come cheap.

 

I wish it was more than just saline but then that was probably why I needed it, I had become dehydrated. Not enough water, too much other stuff, like coffee, beer, wine and baileys