Hi members, I am David. I am going on a cruise and I am just trying to find out some information. I had my surgery over 8 years ago for a urostomy. I have been discharged from the hospital for over 2 years. Do I have to declare it on my insurance form? Thanks.
davida
MrBillYTO
Hi David,
If you have any questions regarding whether to "declare or not declare", call the insurance company directly or ask your travel agent. In my opinion, it's best to be safe than sorry if you have to make a claim. I work in the travel industry in Canada and it honestly comes down to the country you are in (the laws governing insurance), the travel insurance provider and the travel insurance you are after i.e. cancellation, medical, etc. The other factor to consider is whether your doctor will say that you are healthy to travel for those 'pre-existing conditions'. I too am going to be travelling soon but I made sure I discussed/cleared it with my doc and that he put a note on my file so that if I have to make a claim and the insurance company wants to discuss my condition with him, he will be able to say I was healthy and purchased the insurance in good faith.
Have a great trip!
Bill
If you have any questions regarding whether to "declare or not declare", call the insurance company directly or ask your travel agent. In my opinion, it's best to be safe than sorry if you have to make a claim. I work in the travel industry in Canada and it honestly comes down to the country you are in (the laws governing insurance), the travel insurance provider and the travel insurance you are after i.e. cancellation, medical, etc. The other factor to consider is whether your doctor will say that you are healthy to travel for those 'pre-existing conditions'. I too am going to be travelling soon but I made sure I discussed/cleared it with my doc and that he put a note on my file so that if I have to make a claim and the insurance company wants to discuss my condition with him, he will be able to say I was healthy and purchased the insurance in good faith.
Have a great trip!
Bill
Why Join MeetAnOstoMate?
First off, this is a pretty cool site with 33,315 members. Get inside and you will see.
It's not all about ostomy. Everything is being discussed.
Many come here for advice or to give advice 🗣, others have found good friends 🤗, and there are also those who have found love 💓. Most of all, people are honest and truly care.
Privacy is very important - the website has many features that are only visible to members.
Create an account and you will be amazed.
Leggy
Hi David, I too have had a urostomy and was told by my specialist and others to always declare to your insurance company that you have a "pre-existing medical condition". I have had loads of debates and arguments as to whether the British E111 covers this but no one has the exact answer. Having been quoted rates of £1,000 (I kid you not) to a couple of hundred, I found a company called MIA or MIAONLINE. I have used them for numerous occasions but my frequent trips are to Europe to visit family - not cruises. Why not give them a call or go online www.miaonline.co.uk or 01268 782745. Sorry my reply is rather late - been away!
Advertisement
Hollister
You've checked off everything on your travel checklist. So, now it's time to pack your ostomy supplies and anything else you need. Do it the right way with these smart tips.