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[bombsh3ll]

I wouldn't necessarily regard menopause as a condition however if you are taking prescription HRT then this should be declared if you are asked about prescribed medication.

Just a note of caution to anyone taking out travel/medical insurance - ask your GP practice for a summary of your medical records prior to completing the form.

You may be surprised what you have been labelled with without your knowledge. I had apparently been diagnosed with "hypertension" (I am on medication for LOW blood pressure!), "anxiety and depression", "primary drinking disorder" (I am intolerant to alcohol so never drink at all) and "Bulimia" - the latter during a year that I wasn't even resident in the UK!

If I had ever had the misfortune of having to make an insurance claim, I would have looked like a liar for not disclosing any of these conditions, none of which I have ever suffered from and did not know were on my medical record.

Not a fan of the DM but this article highlights how widespread this issue is https://www.dailymail.co.uk/health/article-9263263/How-health-records-filled-mistakes.html

[Geraniumuk]

Very interesting as I too saw the article- we have bank account linked travel insurance with HSBC and I hadn’t considered I needed to declare. When I did ring them they said they didn’t treat as a condition and it was fine but they had been getting lots of calls!

[Katejo]

When I renewed in January, I declared menopause because I am on HRT but didn't specify the HRT. I wouldn't have mentioned it all if it weren't for the HRT. I am going to ring my insurer and check.

I have just rung my insurer (Avanti) but it was ok.

[DottyD68]

It is good practice to declare any and all existing conditions, any medications that you have on prescription and any outstanding tests and/or results you are waiting for. Each insurer has it's own set of rules and some insurers eg Allclear and Staysure do not charge an additional premium for some conditions.

I declared Menopause on my travel insurance because I was on HRT (no extra premium). I also declared Anxiety because it was listed as a separate condition (even though it was menopausal) as I was prescribed Propranolol for "as and when required" even though I rarely used it (no extra premium).

The insurance companies are able to access medical records in relation to any medical claim and if they discover conditions or medications on that have not been declared they can void your insurance, even if the claim is totally unrelated.