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Do You Have To Declare Medical Conditions For Travel Insurance?

Whilst many people try to avoid insurance premiums by deciding not to declare pre-existing or past medical conditions, this can have an adverse effect on whether you will be covered if you do need medical treatment when you’re on a holiday or business trip.

Why You Need to Declare Your Medical Conditions on Your Travel Insurance

It’s important to declare any pre-existing or past medical conditions that you have before you travel to ensure you are covered if you need treatment when abroad. It’s especially important to declare pre-existing medical conditions as these are not often covered by standard travel insurance policies, which you may find becomes a problem even if your condition is well managed. One alternative is investing in travel insurance that covers existing medical conditions.

What Happens if You Do Not Declare a Condition

If you do not declare a condition, then you will not be covered for any treatment relating to that illness whilst you are travelling. If you become ill and are not covered, this could lead to extortionate medical bills under the presumption that you have no existing conditions. You will also not be covered for any incident that is related to your condition or complications during treatment that is a result of that pre-existing condition.

Common Conditions That Need To Be Declared

There are many conditions that need to be declared to ensure full coverage including manageable conditions such as diabetes and asthma, which travel can have adverse and unexpected effects on. Other medical conditions that you will need to declare to claim travel insurance include, cancer and high cholesterol and even conditions that you have recently had, such as a heart attack or stroke, as these increase the risk of needing medical treatment abroad.

Therefore, it is vital to declare any medical conditions before taking out insurance as this will reduce the risk of an extensive medical bill that could have been avoided.

Holiday Extras Ltd is authorised and regulated by the Financial Conduct Authority. Registered address: Ashford Road, Newingreen, Kent CT21 4JF. Company number 01693250.

Holiday Extras is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.