to think that if you have a pre existing medical condition...

(31 Posts)
ariane5 Mon 15-Jul-13 21:38:14

You would get proper travel insurance and declare your circumstances?

Xdh is going on holiday but wants to get "normal, cheap insurance" and not notify them of his medical problems. I have told him how ridiculous this is as if he is ill/hurt then his insurance might not be valid.

I want him to get the correct policy as don't want something to happen which means we end up with more money problems (long story but huge amount of history debts etc and married so it would affect me I think).

I don't know if its pride stopping him but I pointed out if he gets injured and has to go to hospital they would take one look at him, see he has multiple scars from previous surgeries and other obvious problems and they would know there are pre existing problems.

AIBU to think he is being really stupid about this and should just pay a little extra for the right insurance rather than risk ending up with a huge medical bill?

AmandaPandtheTantrumofDoom Mon 15-Jul-13 21:39:39

Of course YANBU.

WhoNickedMyName Mon 15-Jul-13 21:40:19

YANBU. Yes he's really stupid but he is your ex and it's really none of your business. Get on with divorcing him and then his stupidity won't be your problem.

PixelAteMyFace Mon 15-Jul-13 21:40:31

YADNBU.

Your XDH is DBVVU

Sirzy Mon 15-Jul-13 21:41:15

No point getting it if you are going to lie!

It's a pain having to pay more but better that than being stuck with no cover

TarkaTheOtter Mon 15-Jul-13 21:41:29

Are the pre-existing conditions likely to cause him to claim (in which case he needs to insure them) or not (in which case he should declare them but not necessarily insure them).

Either way he'd be an idiot not to mention them at all- why bother getting insurance you can't claim on.

IwishIwasmoreorganised Mon 15-Jul-13 21:41:39

YANBU, but your XDH is.

HooverFairy Mon 15-Jul-13 21:42:15

We're in your situation - declare it. If something did happen, not only would you have a medical bill on your hands, the premium for future medical insurance will be sky high. You may also find some insurance companies will refuse to insure you. We were tempted last time but bottled it at the last minute.

ratspeaker Mon 15-Jul-13 21:42:18

I agree.
There are companies that will accept you with pre existing conditions.
Some will then exclude cover for the condition but cover you for other emergencies , others will accept the conditions and offer cover.

They need not be expensive either but it does mean having a good old internet search

ariane5 Mon 15-Jul-13 21:45:45

I just know with my luck that he will end up slipping and dislocating everything, need treatment but will have the wrong insurance and somehow I will be liable too as still married.

I can't see why he won't just get the right insurance. So frustrating, I wouldn't care but for the fact somehow I will end up with a debt if he's injured!

gordyslovesheep Mon 15-Jul-13 21:46:56

ring his insurer and tell them then - it will invalidate ALL his insurance even if he needs treatment for something unrelated - he's a fool

yamsareyammy Mon 15-Jul-13 21:49:22

Sonetimes they dont even add anything on. Sometimes £5. Obviously more if something quite serious.
He, or you could find out with one, and book with another.

EduCated Mon 15-Jul-13 21:50:18

If he's going to lie, there really isn't any point in buying it, as it won't be valid anyway.

ratspeaker Mon 15-Jul-13 21:50:38

Could you insure him just to be on the safe side
Or at least research it for him?

Btw myself and Dh have taken out insurance to cover pre exisitng conditions for a trip next month,withinEU. Ours is under £35.

clucky80 Mon 15-Jul-13 21:54:06

YANBU, it's such a huge risk to take .i have to get specialist travel insurance and my single policy insurance for me alone cost me over £400 for 12 days in the States! It was sickening but worth it for piece of mind. The usual insurance providers often just refuse to cover me but Citybond I have found are fairly reasonable if he is looking for a company. My insurance to Europe and the rest of the world is much cheaper than USA.

ariane5 Mon 15-Jul-13 21:56:31

As much as I'm loathed to help him (didn't want him going on a holiday) I think I will research it and insist he is properly insured.

It will only affect me and dcs if he ends up in hospital with a huge medical bill so I am going to insist he does it properly.

WhoNickedMyName Mon 15-Jul-13 21:58:51

I think you'd be better off directing your energy into extricating yourself legally and financially from this relationship.

littlemisswise Mon 15-Jul-13 22:01:13

We're going on holiday tomorrow. DS2 and I have pre-existing medical conditions, this year it has been difficult finding someone to cover us because we both attend the hospital more frequently than every 6 months.
Our 'free' policy with the bank wanted to charge us £140. I shopped around and found it for £44 for 3 of us.

In answer to your question YANBU.

ariane5 Mon 15-Jul-13 22:03:24

I will, am in the process of doing so but his holiday is in about 3 weeks time so nothing will be sorted out by then, hence my anxiety about him managing to land me in more debt.

MrsDeVere Mon 15-Jul-13 22:04:44

His entire insurance will be invalid if he doesn't declare.
Even if his accident/illness has nothing to do with a pre existing condition.
He might as well go away without it.
Its not like insurers go out of their way to pay out is it?

soontobeburns Mon 15-Jul-13 22:18:06

My family and me and Dp went away last year. My mum got our travel insurance and only got normal insurance. My DP has epilepsy but hadnt had a fit in years, she didn't want to pay extra for it. On our first day he had a bad fit and had to go to hospital but the EHIC card covered it all.

If going to Europe insurance is only needed for canceled flights, bags etc.

LastTangoInDevonshire Mon 15-Jul-13 22:22:33

Well, mine (with pre-existing medical conditions) is over £250 - more than the air fare - but most won't insure me anyway.

So we stay within the EHIC area. If I die then they can bury me there. If I survive then I will come home when I can.

Sirzy Tue 16-Jul-13 07:21:49

Ehic doesn't mean all care will be free does it?

We shopped around as 3 out of 4 of us had them this year (DH's is permanent, DS and I have both had operations this year) and found it varied hugely, both in the cost and the level of detail asked for in the policy. Even something "simple" like a broken leg abroad can cost a fortune as you can't always fly back with your leg sticking out in a cast, so there's possibly weeks of extra accommodation or someone having to come out and drive you back, it's not just the medical costs.

27cats Tue 16-Jul-13 07:53:56

Total side-track but I've been wondering how you are ariane. I was watching your thread about your gynae probs and the difficulty you had getting 'D'H to do his bit in terms of looking after the DC while you got treatment. You seem to have come a long way! Wishing you well and good luck with the whole separation business. flowers

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