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Call our Kent-based team on 0800 3160 308, or book online to find the best medical travel insurance policy for your personal needs.

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, 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.

Why choose Holiday Extras for your medical travel insurance?

Holiday Extras medical travel insurance is available on single trip and annual policies, in the UK, Europe and worldwide. Specific medical cover for cruises is also available. We cover the majority of pre-existing medical conditions and all conditions will be considered.

  • - Over 25 years experience selling travel insurance.
  • - Voted best insurance provider 12 years running.
  • - Tailored policies to suit your personal requirements.
  • - Policies with no excess available.
  • - UK-based contact centre and 24/7 helpline.
  • - All medical conditions considered.

How do I declare my pre-existing medical condition?

To declare any pre-existing medical conditions, simply enter your travel details at the top of this page to be taken through to our medical screening process. Be as honest as possible with your answers, as not only will this help us to provide you with the most suitable medical travel insurance policy for your needs, but it may support your case in the event of a claim.

Compare medical travel insurance cover levels:

Our travel insurance for pre-existing medical conditions is available at bronze, silver, gold and platinum levels.

Bronze
Silver
Gold
Platinum
Baggage cover
£500
£1,500
£2,000
£2,000
Cancellation cover
£1,000
£2,500
£5,000
£5,000
Medical cover
£5 million
£10 million
£10 million
£10 million
Excess charge
£150
£100
£50
£0
Lost passport
£250
£250
£300
£350
Personal money
£300
£350
£400
£500
Wedding cover
X
X
£1,500
£1,500
Gadget cover
X
X
X
£500

Holiday Extras Cover Ltd and Holiday Extras Ltd are authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 and Holiday Extras Ltd 01693250 are registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

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.