When you’re buying travel insurance with pre-existing medical conditions included, it’s important to give us as much information as possible. This means that you also need to tell us about conditions you have, just in case. This way, you can go away knowing you’ll be covered for any unexpected flare-ups.
There are many medical conditions that are routinely managed using medicine and other forms of treatment. Some conditions are controlled so successfully and have such a minimal effect on lifestyle that it’s possible to forget they exist. For this reason, some people believe they do not have to declare them, or consider them too trivial to mention when applying for holiday insurance. The following are some examples of common conditions that are often overlooked, but need to be declared:
- High blood pressure
- Respiratory problems
- Inflammation of joints
- Neurological conditions (for example stroke or epilepsy)
- Treatment and conditions related to cancer (usually within the last five years)
It's very important that you tell us about any existing medical conditions you have when you apply for holiday insurance with medical conditions included. This is because it’s unlikely that we will pay any claim for medical expenses, trip cancellation or cutting short a trip if it relates to a medical condition that you have not told us about (and that we have agreed to cover).
Please note that for the purposes of travel insurance with pre-existing medical conditions, you should also tell us about any mental health or psychiatric conditions you may have, such as anxiety or depression. By telling us about all of your pre-existing mental and physical conditions, we can tailor your policy to you, and make sure you have the cover you need in case something doesn’t quite go to plan.
If you fail to declare a medical condition, your claim could be rejected, and you may be forced to pay any medical bills yourself. No matter how minor your medical condition is, it’s always worth declaring.