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Holiday insurance with PMR

Posted , 7 users are following.

andrea93419
andrea93419

Morning all, I've recently been diagnosed with PMR, I'm having a weekend in Brussels at the end of the month and I'm wondering if I should inform my holiday insurance company that I have the condition and that I'm taking pred. Should I become ill or have a flare up whilst abroad would I be covered if I didn't tell then? Has anyone had experience of this scenario? 

Thank you!

0 likes, 10 replies

10 Replies

  • karen28161
    karen28161 andrea93419

    Posted

    Good morning Andrea ,yes I recomend you tell your insurance company ,just in case you are not well over in Brussels ......when I imformed my insurance about me having PMR and that I am taking Pred ,the cost only went up £20 ........well worth it for peace of mind whilst away ,enjoy your weekend and I hope you have a fun pain free trip x
    • andrea93419
      andrea93419 karen28161

      Posted

      Thank you Karen, insurance companies don't like paying out when everything is above board, let alone if I haven't informed them!! X
    • pauline36422
      pauline36422 andrea93419

      Posted

      e sure  dont charge  xtra   if you look down there whats included  list

      its in there     or it was,   so just check. i didnt have to pay when i took   there insurance  out  a couple of years ago.        but i had to change  to try find the  cheapest insurance to cover my bp and  cholestral  medication

  • MrsO-UK_Surrey
    MrsO-UK_Surrey andrea93419

    Posted

    Andrea, yes as the others have said definitely inform the insurance company.   And be sure to take plenty of spare steroids away with you, some in your handbag and some in your luggage.  Have a lovely weekend.
  • Oregonjohn-UK
    Oregonjohn-UK andrea93419

    Posted

    Always worth declaring any medical conditions, even if it's stable at present.  A single trip insurance starts from the day you take it out, right up to the last day of say a 2 week vacation, If any thing happens before or during your break they will not pay out if it's associated with PMR or any known medical condition you may have.  Don't forget to take your European Medical Card - and check it's not run expired!.  It easy to renew on line but watch out for the links that take you to a 'service' that charges - it should be free.
  • Mrs.Mac-Canada
    Mrs.Mac-Canada andrea93419

    Posted

    Hi Andrea,  like the others I would definitely tell your agent.  When I was looking one company actually wouldn't cover me if taking pred but that was only one out of 4 or 5 of them.  They'll probably charge you a bit more but it's the peace of mind.

    like Mrs. O says, take extra pred with you just in case.

    have a fun vacation😊

    Diana🌸

  • EileenH
    EileenH andrea93419

    Posted

    If you took out your insurance before the diagnosis it should not make any difference at all. It is different when it is a pre-existing condition and you are taking out new insurance. It also depends on the company - PMR is fairly innocuous and shouldn't involve a lot of risk so the extra premium shouldn't be much. Tell them for peace of mind - and as the others say, take your EHIC card since it is Europe and lots of pred packed in every corner - hand luggage, handbag, partner's bag, pockets... Just in case. 

    And have a lovely time - don't drink too much beer or eat too much chocolate!

    • Mrs.Mac-Canada
      Mrs.Mac-Canada EileenH

      Posted

      Hi Eileen,

      i was an insurance agent in Canada and our policy wordings require that you must be in good health when you leave the province.  Many people have annual plans or buy insurance long before they travel so it makes sense that if you develop a medical problem just before you leave you need to let the insurance company know.

      I agree the companies are all different but would definitely check to make sure just in case.

      Diana🌸

    • EileenH
      EileenH Mrs.Mac-Canada

      Posted

      My decided impression is that every country is different - we have just booked a trip to China and we both have existing health conditions. There is nothing on the stuff that allows declaration of anything - and the agent rang to check. All that is required is that a doctor has said you are fit to travel and that, at the time of taking out the insurance, there was no reason to suspect you would not be able to travel. In the UK the prices without health conditions are far lower than here in Austria/South Tyrol and they are well known for then trying to wriggle out of paying up. People in the UK with (say) asthma tend to pay similar prices for insurance to what we pay anyway here so I suspect that here the healthy are subbing the rest! We also have air repatriation home to Bruneck as members of the Weisses Kreuz, a charity that provides medical services of all sorts. What greatly amused us was that an annual travel policy for the two of us was cheaper than single trip cover - and we questioned that too! But the whole thing is a minefield!
    • Mrs.Mac-Canada
      Mrs.Mac-Canada EileenH

      Posted

      One of those things you never want to have to use but it needs to be right if you do.  We always communicate by email so we have a record of our questions and their answers (right or wrong).  Showing "due diligence" is important in any dispute resolution.

      Our ins. for 8 weeks was about $200 each which isn't too bad for good coverage.

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