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 😊✈
0 likes, 10 replies
sarah68196 Guest
Posted
Take care ! Xx
Sally_66 Guest
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Guest Sally_66
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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😒😣👉😠
teresa2545 Sally_66
Posted
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
Clarissabelle Guest
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Sally_66 Clarissabelle
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Clarissabelle Sally_66
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Debedee Guest
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How is your recovery going?
Debbie
Clarissabelle Guest
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Guest Clarissabelle
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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