Holiday insurance post hysterectomy -warning

Posted , 6 users are following.

Hi all you lovely ladies

Hope you are recovering well.Just a word of warning if you are beginning to plan a post op holiday in the sun-.check your insurance policy as you may no longer be covered,as I found out yesterday.

My annual house insurance which includes an annual worldwide travel insurance for myself and my husband expires tomorrow.I phoned to renew the policy and thought I better mention my abdominal total hysterectomy with fallopian tubes and ovary removal that was done on 19th January.To my surprise they said that i would not be covered if i had to make a claim that could be due to post op problems related to my hysterectomy.I asked if i could pay an additional premium to be covered and was informed no as it is classed as a pre existing medical condition and that i would need to find a specialist insurance provider who might insure me.

Not all companies will cover you post op,others may but will charge you extra,and some like mine-Direct Line will not cover you at all.My advise would be to check now if planning to go abroad as if you don't inform your insurance company your claim will be rejected😞.

Good luck

Sharon x 😊✈

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10 Replies

  • Posted

    No way !!! Thanks for that as I have a holiday booked for July .

    Take care ! Xx

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  • Posted

    Hi Sharon. That is really useful advice. Hope Teresa sees this as she has a hol already booked when she is 11.5 weeks post op! How long after surgery will they not cover for. Surely if you have since been declared fit to return to work, drive etc by consultant that should be enough? I'm not likely to be going abroad this year but I am interested to know what they say. Really useful. Thanks.
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    • Posted

      Hi Sally

      Yes Teresa has read it😊Direct Line said i will need to check again in a years time at my next renewal as it will not be covered for a minimum of a full year.I replied a hysterectomy is surely a cure and not a condition only to be told categorically that under their Ts & Cs it is classed as a pre existing condition Bloody insurance companies seem to get away with it. Mind you i am going to give the underwriters a call and argue my case-probably wont get me anywhere but I am currently a lady with a lot of spare time on my hands LOL.

      Kind of feel sorry for the poor person who is going to pick up my call as I am raging😒😣👉😠

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    • Posted

      Hi from Teresa.

      Read the message this morning which reminded me to ring my insurance company as I am due to go away March 8th aswell.This is 4 weeks before my op but I wanted to make sure that all was covered in case I had problems in Spain.Took an annual insurance out with Insure &Go last Nov.I had my scan in October which confirmed my  fibroids and hysterectomy was mentioned but not confirmed until Jan 7th.Told the insurance company that I was anaemic and had fibroids and it could mean surgery.I would be covered.Just rang tonight to tell them about the op and all I have to do is let them know when I have had the op.They don't need any holiday dates.I also told them that they found a hernia after all.No problem.I would recommend them.Only charged me £68 for the year .I am determined not to cancel any holidays.This will be something to aim for to help with my recovery.

      xxx

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  • Posted

    Well now you ve thrown me into panic mode!  I m having pre op on Monday and op on 24 th.  We ve already booked and paid for a holiday on 24 th April.  Consultant has said I will be fine to go unless there are complications.  I am insured with Insure and go who cover people with pre existing medical conditions as I ve had several orthopaedic surgeries , a D V T and a thyroidectomy.  They have covered everything so far but the hysterectomy hasn t been mentioned yet as it's an annual insurance.  Going to have to call them ASAPASAP
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    • Posted

      Hi Clarissabelle. I picked up on this post earlier and was a bit alarmed by it. My mother in law has just had a Oophorectomy but she didn't know she was going to have it before she booked her 'BIG' trip to China in May. Her insurers are ok with this as her condition was not known at the time of booking. I should check but I think you will be ok if you booked before you knew you needed the op. I haven't booked any holidays yet so Im having a serious worry about finding an insurer when I do try and book something this year! So bloody unfair - as if we didn't have enough to deal with! Good luck.
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    • Posted

      Thanks for the info Sally.  The holiday was booked in July last year and I was only referred in November so hopefully all will be ok.  Do try Insure and Go.  As I said I ve got several medical conditions and we have an annual policy which covers my husband and I for around £140
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  • Posted

    Thank you for the information I will check that my insurance in Australia is still going to cover us for our trip to the UK in May. 

    How is your recovery going?  

    Debbie

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  • Posted

    Had my pre op today and then phoned Insure and Go when I got home.  They ve just asked me if I can let them know when op is done if there were any complications and then they will add it to the policy.  Told them we had holiday booked eight weeks after surgery but it was booked before I saw doctor.  So just have to hope now that all goes to plan and then look forward to a trip to the sun
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    • Posted

      Hi

      Hope all goes well with your op and recovery and that you have a great holiday afterwards. Since my original post about Direct Line refusing me cover i contacted the underwriters' of the holiday insurance for advice and was told that if i had to make a claim that could be related directly back to the hysterectomy then i would not be covered,but if it was a gynae problem that may or may not be related it would be up to the assessor to make a desicion😞

      Based on this i have decided to wait a while longer before booking a holiday abroad and also if i do feel well enough to go i am going to take out a separate policy for myself with a company that will guarantee to cover me 100 percent just to be on the safe side this year😊

      Happy Hols ✈ Sharon

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