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Travel Insurance Question

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User
Posted 15 Feb 2019 at 17:15

Hi Guys

I need your opinion on something please.

I had my final HT Prostab jab about 3 weeks ago and it is effective for 12 weeks up to about 22 April.

I am going on holiday to Dubai next week for 2-3 weeks and one of the questions on the travel insurance form asks if you are currently receiving HT. This requires a yes or a no response.

I want to get this right so that my policy is valid.

The difference between a yes and a no answer is about £50 which is no big deal, but I don’t like spending money unnecessarily.

So which is it - a yes or a no ?

Would appreciate some advice on this please.

 

 

 

 

 

User
Posted 15 Feb 2019 at 17:40
Technically it's "yes". You've been injected with a time-release capsule which slowly releases the drug over a 12-week period.

Chris

User
Posted 15 Feb 2019 at 19:17
Why don’t you phone them and explain your situation. I’m encouraged to hear it’s only £50 difference. I darent book a holiday for the summer in case they start some treatment ☹️

Bri

User
Posted 16 Feb 2019 at 10:06

It's a 'NO'.

Insurance companies don't examine pharmaceutical minutiae - they go from when you had interventions. From their point of view, you received 'the final treatment' on the day of the last injection.

You are no longer receiving HT - you are receiving the benefits of HT!

It cannot be otherwise, or the insurance companies would spend years in court arguing about the day the stuff wears out - 3m? 6m? 9m? 1 year? 2 years? And every human being is unique. Some have the sense to say 'have you had x treatment in the last y months'; but they choose the questions ....

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User
Posted 15 Feb 2019 at 17:40
Technically it's "yes". You've been injected with a time-release capsule which slowly releases the drug over a 12-week period.

Chris

User
Posted 15 Feb 2019 at 19:17
Why don’t you phone them and explain your situation. I’m encouraged to hear it’s only £50 difference. I darent book a holiday for the summer in case they start some treatment ☹️

Bri

User
Posted 16 Feb 2019 at 10:06

It's a 'NO'.

Insurance companies don't examine pharmaceutical minutiae - they go from when you had interventions. From their point of view, you received 'the final treatment' on the day of the last injection.

You are no longer receiving HT - you are receiving the benefits of HT!

It cannot be otherwise, or the insurance companies would spend years in court arguing about the day the stuff wears out - 3m? 6m? 9m? 1 year? 2 years? And every human being is unique. Some have the sense to say 'have you had x treatment in the last y months'; but they choose the questions ....

User
Posted 16 Feb 2019 at 10:21

My insurance company asked me how often i receive HT and base their premium on how often i attend hospital for my PCa and what treatment i have had in the last 12 months.  You must answer their questions fully if you want to be guaranteed of cover if ever you need it.

 

Ulsterman

User
Posted 16 Feb 2019 at 17:53

If you've been OK throughout your treatment then I guess you're feeling you'll be OK for the next couple of months. So the risk isn't high.  Although your insurance company just wants the logical truth like Spock in Startreck. As you just had a jab that lasts 3 months it would seem logically you're still under treatment.

To clear that it will be best to ring them, then you've always something to fall back on if you're wanting to say No.  Alternatively err to caution because if something related happens you could have no insurance.

I've just taken out an annual policy and they wanted twice as much to cover my condition, which is undetectable psa after 2 years.  So I've not covered my condition.

User
Posted 16 Feb 2019 at 20:15
That's exactly the path I followed myself, Peter. I've recently spent a fortnight in Egypt and made an informed decision (based on asking my surgeon and oncologist) that my cancer was extremely unlikely to cause any medical issues in itself, so I excluded it from my travel insurance. Pretty much every insurance company should do that if asked.

Chris

User
Posted 16 Feb 2019 at 20:54
Lol , they never pay up anyway. They would find out you’d smoked a cigarette behind the bike sheds aged 15 , and that you lied about your alcohol intake, and that you were too embarrassed to say you had to take Cialis. If I wasn’t going on a cruise I’d lie , but I hear helicopter rescue is pretty pricey these days.
User
Posted 17 Feb 2019 at 06:54
Thanks for your input guys.

I have decided to play it safe and go down the “Yes” route.

No need to have any concerns whilst sunning myself on Jumeirah Beach.

 
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