There are many things to consider when booking a holiday and getting travel insurance.
If you are planning to go abroad or have already booked it is important to get travel insurance as soon as possible. Travel insurance covers you before you go, so it's not limited to the period when you're away. So, by taking out the policy when booking, this means that, like the confusion at Heathrow today, if you have health conditions, something is covered in case you can't travel, something you can't travel, something you can't travel.
Travel insurance covers medical expenses, repaying, baggage, personal belongings, cancellations, etc. if you can't travel, but it's important to make sure you declare these when you can risk removing your insurance or voiding your insurance.
However, understanding what counts as an existing condition is complicated, especially for women taking hormone replacement therapy (HRT).
Although HRT is given to alleviate menopause symptoms and generally requires a prescription from GP, whether this counts as an existing medical condition is somewhat vague territory that women need to declare.
According to Aviva, the existing condition is “when you have undergone any tests before taking symptoms, medication, advice, treatment, or health cover.” In this case, HRT appears to be a form of medicine you need to declare, but Aviva told Express this is not the case.
A spokesman for Aviva told Express: “We consider menopause to be a normal part of aging and do not require customers to disclose it. Similarly, if the customer is taking HRT just for menopause, there is no need to declare it.
“Our policy requires that customers be notified of a diagnosis of illness, illness, or injury prescribed with a drug. They are undergoing testing/inspection or waiting.
Similarly, the Admiral also states that the customer does not need to declare this in insurance, as menopause is not considered a medical condition, whether or not HRT is required.
A spokesman for the company told Express: “This means that if a customer is identified at the claims stage as having experienced menopause or taking HRT, it will not override the insurance and will not affect the settlement of the claim.
“In general, we need to know about all the medical conditions someone has right now. A condition like a heart problem, etc., needs to know if someone has been diagnosed up to now.
“If you're not sure, it's always best to include all the medical conditions you had or check with your insurance company before getting the cover.”
