LV= insurance is intended for dogs and cats and does not offer cover for other types of pets. They can ask questions, or ask for written information about your medical condition to assess your application. All three confirmed that if you already have a policy with them, you WILL continue to be covered. Whether you’ve recently been diagnosed, are recovering from treatment, living with a long-term medical condition or no longer have a condition, you need to inform your insurance provider. Only conditions that are notifiable and presumed by a doctor to cause danger to someone’s driving ability need to be reported to the DVLA. Here are a few frequent examples and some guidelines on getting a quote: The European Health Insurance Card (EHIC) does cover treatment for pre-existing medical conditions, providing essential medical treatment prior to you returning home. If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. If there’s a claim related to a medical condition you didn’t disclose, it could be void and the claim may not be paid. Not only does insurance help cover medical bills, it can cover the cost of travelling back to the UK for further treatment. © 2020 Liverpool Victoria, County Gates, Bournemouth, BH1 2NF, UK. These include: diabetes or taking insulin; syncope (fainting) heart conditions (including atrial fibrillation and pacemakers) sleep apnoea; epilepsy; strokes You can see the full list of those health conditions on the Government website. If you’re holidaying overseas, travel insurance is essential. 10am - 4pm Sunday. LV= pet insurance will not cover your pet’s pre-existing conditions, though it does cover some dental work, provided your pet has regular check-ups and you have taken preventative measures. Calls will be recorded. It is essential when arranging the policy that you fully disclose your medical conditions to the insurance company including diabetes, even if they do not ask. Which medical conditions need to be declared to my car insurance provider? The simplest way to apply for an EHIC is online. Enter or quote your membership or policy number at the time of … Here's how to find the best travel insurance for your condition. When you take out travel insurance, you’re paying an amount to the company, in exchange for guaranteeing any emergency medical treatment you might need while you’re away. Calls will be recorded. Most travel insurance policies exclude pre-existing medical conditions (medical conditions you had before the policy was taken out) such as diabetes. Lines are open:  We use cookies to make sure your experience is as good as it can be. Unfortunately, several standard travel insurance policies won’t cover pre-existing medical conditions. Though there are more options available for travellers with pre-existing conditions, not all insurance providers offer cover that guarantees correct medical care. most insurance companies will not charge extra if you have medical conditions, as this would be discriminatory, although they can add an endorsement which states that they know of your condition and that if you have an accident as a direct result of that condition they reserve the right to not pay out any claim. The European Health Insurance Card does cover treatment for pre-existing medical conditions, providing essential medical treatment prior to you returning home. I have an annual travel insurance policy. Insurers will consider the age and medical history of everyone in your group. LV's car insurance policy is available on the following price comparison websites as either LV Extra, which includes motor legal protection as standard, or LV Plus, which includes a guaranteed hire car if your vehicle is being repaired as par of a claim as standard: What is your definition of a pre-existing medical condition? Protected no claim discount No. Whether you’re, For all your car, home, travel, pet and other insurance enquiries, For all life insurance, investments retirement support, Before you travel for a holiday, it’s essential you organise travel insurance, If you have a pre-existing medical condition, you must disclose this when booking insurance, The premium you pay will depend on the severity of your condition, with specialist providers available for serious illnesses. Our list of medical conditions is pretty comprehensive, so you could try checking the spelling of your medical condition first - enter a few consecutive letters contained within the spelling of the condition (these don't have to be the first letters of the condition) - our system will usually be able to find the condition. Medical care is given at a reduced rate in some countries, on a co-payment basis, where you would pay a percentage of the cost towards the treatment you receive. If you reveal a condition, your insurer may ask more questions in order to fully assess your application. I'm searching for my medical conditions on the screening section of the website, but I can't find them - what am I doing wrong? The price had risen from £513 to £600. The purpose of this application is to provide the Insurer with information that is necessary to conclude the insurance agreement. Or you can call the EHIC application service on 0300 330 1350. Read our examples of when you might or might not want to claim on your LV= car insurance. The UK government has advised that you should purchase travel insurance that covers healthcare as it would if you were travelling to a non-EU nation . This guide will look at the reasons why you need travel insurance for pre-existing medical conditions, where you can find cover, and guidelines on healthcare while travelling in Europe and further afield. ‘Car insurance saga has taken many twists and turns.’ Photograph: Alamy A mechanic from my local garage was driving my car to his premises when he … Luckily, these costs can usually be reclaimed through your travel insurance. To offset additional costs, some insurance companies will either: Several common medical conditions are widely insured by specialist firms, who offer bespoke packages. 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