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Hi help please
My PSA very slight over the limit for my age (58) but due to family history i have just stated investigations - in a few weeks time i am due to have a biopsy - what condition do i declare on my pending purchase of travel insurance?
i more or less have never had a days illness and very much hope to get the all clear !
Thanks for any advise
Hi Pauloboss and welcome to the online community
I'm sorry to hear that you're currently undergoing investigations. It's best to be open and honest and declare that you are having investigations and are currently waiting to have a biopsy otherwise any insurance bought without declaring this might not be valid.
You might find it helpful to look through this information from Macmillan about travel insurance.
I don't know whether you've looked through the Recommended Travel Insurance thread yet, as it's where the majority of recommendations from other community members are, and this might be a good starting point to find insurers who have provided reasonably priced insurance in the past. Clicking on the link I've created will take you directly to it if you haven't seen it.
It is best to phone the travel companies rather than try and do online quotes. Make sure you have all the information to hand about your treatment before contacting the insurers. This is a list of common questions that insurers might ask when you're applying for insurance.
I do hope that you can get some reasonably priced travel insurance so that you can book your holiday. Do come back and let us know hoe you get on.
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Thank you latchbrook for your reply but i cannot get around what i am suppose to be disclosing - i do not have a condition its down to family history
So hopefully it might be nothing - i like your confidence in the insurance industry doing right by you - i wish this was true
I don't think I said anything about the "insurance industry doing right by you" so I'm sorry if you got that impression. What I did say was that you need to disclose everything if you want to make sure you're covered.
As for what you are supposed to disclose, you need to tell them, when asked, what the tests and biopsies are for. For example, before I knew that my lesion was melanoma I told the insurance company that I was having a biopsy to find out what it was. Then, when I'd been diagnosed I told them what it was and what follow up treatment I was waiting for. Then, finally, I was able to tell them that I'd finished treatment and was now just on check-ups.
I hope that helps.
No offence on my part - i am just trying to find out what would not be covered if i has an heart attack that might be covered but if found i could not pass water then that might not be covered - most quotes ask for a condition i cannot give them one if i phone up they will still group it to a condition i should be able to pick a condition from a drop down list and get a premium
But again a big thank you for working with me
If you haven't been diagnosed with anything yet then you can't tell them what is wrong with you as there might be nothing wrong. However, if asked are you waiting for or have you had any tests then the answer is yes if you have had tests or are waiting for them.
Using the previous example of my experience I couldn't say "I have melanoma" because at that point I didn't know that I had it but I did say "I'm waiting for a biopsy to see what the lesion on my arm is".
The best thing to do is to phone as it can be very difficult to try and do online quotes if you're answers don't fit "in the box".
Let us know how you get on
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