Sunaddict also makes a very good point about your travel insurance. If you do decide to delay taking out insurance at a later date it could pose problems as it is likely to be a lot more expensive if indeed they will insure him. His condition/surgery will have to be declared as should all conditions and medications at the time you take it out. So many people skip through that requirement and don't declare leaving you up a creek without a paddle if medical assistance is required on holiday.

If you do decide to delay taking out insurance at a later date it could pose problems as it is likely to be a lot more expensive if indeed they will insure him

I would imagine that already is the case.
This is one of the reasons we have done annual insurance for quite a few years, if some thing happens to you out of the holiday season you are still covered providing it happens after you renew.

Even with an annual policy you have to inform your Insurance company of any changes in your health however insignificant you may think they are.
The insurance will find a way of NOT paying out if you have visited you GP and not informed them.

Even with an annual policy you have to inform your Insurance company of any changes in your health however insignificant you may think they are.

At first I doubted this but on checking it is correct, everyday we learn someting new

Would I be correct in thinking you would need to tell them but still be covered under the existing annual policy until renewal

Yes Lynn but they may charge extra!
In January I attended a clinic as I thought I had a detached retina.It turned out to be just a PVD but informed the insurance company.
When I spoke to Staysure the woman I spoke to went through the medical questions again(I have an annual policy) and added £40 to my policy as I had treatment on my back 32 years ago.
I found out a couple of weeks later the visit wasnt documented on my records at my Doctors so could have saved myself £40!
My Travel insurance is due to be renewed but I cant face the medical helpline questions being asked by folk who havent a clue what they are talking about!
Oh the joys of getting old.

But Jean I cant understand why they go back 32 years . I always go through the medical questionnaire on the phone because my youngest son has a medical condition. Each question is always worded "within the last X years (usually 2-5 years) have you ... " i.e seen a hospital consultant, had surgery , been on medication etc. All questions are answered truthfully and never at any point do they say .." now is there anything you want to tell me that happened 32 years ago".

I actually tried to volunteer some info from my sons childhood on one such renewal and all the guy would say was I'll repeat the question and you must either say Yes or No. !!

The woman I spoke to hadnt a clue and she admitted this.
I have received a reminder from them and then an offer of a John Lewis £20 voucher for loyalty! I am not planning on having a holiday until at least October as we have been away every month since April but I will give them a piece of my mind when I ring them.

I have got my renewal notice and they want to know if you have EVER had asthma, well I lost it when I was 7 and are now retired, I wouldnt have thought to give them that information

Insurance companies are devious in their ways. If they can find a loophole then they will. Today they demand your medical records before they will pay out if they think it will help them say no.
About 12 years ago my niece was involved in an accident. A car on the wrong side of the road hit hers and she had to be cut out of her car. The police prosecuted the other driver and he was found guilty. Off work for nearly a year she sued for compensation and damages. In court the insurance company produced her medical records and disputed her claim for mobility problems. One of her knees was smashes and it had to be rebuilt. Now when she was 7 her mother (my sister) took her to the doctors when she complained her knee hurt - the one that was damaged in the accident. Neither her or her mother even recalled the visit to the doctors 33 years previously but the insurance company managed to get the claim reduced on the grounds that her knee was not sound at the time of the accident. yet after the visit to the doctor it had not given her any problems. The question really is when is a health problem considered no longer a problem. According to the insurance company thinking always.
Whilst we digress from the original topic it is important that when you commit to something then taking out insurance ASAP is the sensible thing to do. But don't count on it paying out.

fwh

They must really scrutinise the medical records to find out about visits to the GP 30 odd years ago.
I think I will stick to EU destinations that have public hospitals in or near the resorts!