Had a slightly similar situation recently. I have an annual policy with staysure. 4 weeks before cruise GP referred me for ultrasound scan and to specialist. 2 weeks before cruise had ultrasound, 10 days before cruise GP rang with results of scan, said I had fibroids, I went online and updated my policy which cost me £1.84 to amend. After reading all of @Megabear2threads about insurance I started to panic a bit, although my GP effectively told me what was wrong, I still had a referral outstanding, anyway after a few sleepless nights worrying about if anything happened on my cruise, would insurance company use it as an excuse not to pay out for anything, I rang staysure 4 days before we sailed. I explained the whole story that even though I had effectively had a diagnosis it wasn’t ‘signed off by specialist” … They were very helpful and told me they would remove the fibroids from my pre existing conditions on policy pending sign off but that they would cover my other pre existing conditions (high Blood pressure being the one I was concerned about cover for). They said once I had sign off to ring again and add to my conditions, but also as I was due to sail so soon they would cover for fibroids on that one trip. I was petrified that because it wasn’t diagnosed and signed off they would cancel my insurance. Had a lovely cruise and hopefully will be able to close it all our before my next one 😀
