UK Keratoconus Self-Help and Support Association

Hi,

I am going on holiday this summer and I am looking for travel insurance. Does anyone know if keratoconus counts as a 'pre-existing medical condition' that I need to declare before travelling? Insurance for pre-existing conditions can be expensive and I dont want to pay out money that is not necessary.

Thanks

Louise

I pay extra for benefits on my bank account with Barclays, one of which is travel insurance. I asked if I would be covered as I had had a corneal transplant, they said that I was and have sent me a letter to confirm this. I would check with potential insurers to be sure.

So long as you declare it it's fine. I've never had any problems

Louise
You should declare any pre-existing medical conditions when taking out travel insurance. (and also even after taking out the policy if something happens to you before you travel) It really isn't worth covering things up becuase if you do need to make a claim, they will find you out - and won't pay up! Most reputable companies should not charge you an excess for something like KC as the condition is very unlikely to give rise to a claim whilst you are on holiday - unless perhaps you have recently had a graft. And if they want to charge an excess, you do have a choice - you can simply not pay the excess and agree that the condition is not covered, or you could always try another company. They provide very many different levels of cover and premiums. Like all insurance - shop around!

Pat

To declare or not to delcare?
that is the question ...

Declare every time. If it makes no difference then it has cost you nothing.

If you did not declare and it turned out at the time of making a claim then your whole insurance would be nul and void.

Andre

It's ok Pat, I know all pre-existing conditions have to be declared and I do declare all physical conditions.

There is also insurance with an Excess Waiver, you pay a little extra but then don't have the £50 excess if you need to make a claim.

I've never experienced problems with getting insurance regarding my KC

Louise P
Sorry - wasn't trying to teach granny to suck eggs - my reply was intended for Louise Benj!

Pat

Hey no worries Pat!

Thanks for your responses, its been really helpful