Hi,
I am going on holiday this summer and I am looking for travel insurance. Does anyone know if keratoconus counts as a 'pre-existing medical condition' that I need to declare before travelling? Insurance for pre-existing conditions can be expensive and I dont want to pay out money that is not necessary.
Thanks
Louise
keratoconus and travel insurance
Moderators: Anne Klepacz, John Smith, Sweet
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Louise Pembroke
- Champion
- Posts: 1482
- Joined: Sat 21 Aug 2004 11:34 pm
- Keratoconus: Yes, I have KC
- Vision: Graft(s) and contact lenses
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Pat A
- Forum Stalwart
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- Joined: Fri 08 Dec 2006 9:42 pm
- Keratoconus: No, I don't suffer from KC
- Vision: Contact lenses
- Location: Herts
Louise
You should declare any pre-existing medical conditions when taking out travel insurance. (and also even after taking out the policy if something happens to you before you travel) It really isn't worth covering things up becuase if you do need to make a claim, they will find you out - and won't pay up! Most reputable companies should not charge you an excess for something like KC as the condition is very unlikely to give rise to a claim whilst you are on holiday - unless perhaps you have recently had a graft. And if they want to charge an excess, you do have a choice - you can simply not pay the excess and agree that the condition is not covered, or you could always try another company. They provide very many different levels of cover and premiums. Like all insurance - shop around!
Pat
You should declare any pre-existing medical conditions when taking out travel insurance. (and also even after taking out the policy if something happens to you before you travel) It really isn't worth covering things up becuase if you do need to make a claim, they will find you out - and won't pay up! Most reputable companies should not charge you an excess for something like KC as the condition is very unlikely to give rise to a claim whilst you are on holiday - unless perhaps you have recently had a graft. And if they want to charge an excess, you do have a choice - you can simply not pay the excess and agree that the condition is not covered, or you could always try another company. They provide very many different levels of cover and premiums. Like all insurance - shop around!
Pat
Pat
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Andrew MacLean
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- Keratoconus: Yes, I have KC
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Louise Pembroke
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- Keratoconus: Yes, I have KC
- Vision: Graft(s) and contact lenses
It's ok Pat, I know all pre-existing conditions have to be declared and I do declare all physical conditions.
There is also insurance with an Excess Waiver, you pay a little extra but then don't have the £50 excess if you need to make a claim.
I've never experienced problems with getting insurance regarding my KC
There is also insurance with an Excess Waiver, you pay a little extra but then don't have the £50 excess if you need to make a claim.
I've never experienced problems with getting insurance regarding my KC
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Louise Pembroke
- Champion
- Posts: 1482
- Joined: Sat 21 Aug 2004 11:34 pm
- Keratoconus: Yes, I have KC
- Vision: Graft(s) and contact lenses
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LouiseBenj
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