Travel insurance is vital if you’re planning a trip away, even more so if you have a pre-existing medical condition.
Things can get more complicated when shopping around on comparison sites as you can be restricted with the information you wish to declare to the insurer with no human interaction. Whereas with us, you’ll receive a personal service from a specialist travel insurance advisor to confirm you’re fully covered.
It is reported that around 70% of insurers exclude pre-existing conditions from their travel insurance cover. So, if you have a medical condition you need to make sure it’s included in the cover.
In this article, you will find out all you need to know about taking out travel insurance with a pre-existing medical condition.
Can I still get travel insurance if I have a pre-existing medical condition?
Yes, you can still get travel insurance if you have a pre-existing condition in most cases. It is important you declare this when obtaining a quote so that you are eligible to claim for any treatment for your medical condition while travelling.
Depending on your circumstances, you will be asked a series of questions about your medical history. You should be honest and provide accurate information when asked, as failing to do so could invalidate your claim.
At the same time, you might be asked whether you’d prefer to take out a single trip or an annual, multi-trip travel insurance policy. Not sure what the difference is? Learn about it here.
It doesn’t matter whether you’re jetting off to Europe, or planning a cruise or winter sports holiday, having travel insurance in place to cover your pre-existing medical condition is essential. Speak to us about your medical history and we can shop around with our range of insurers to find the right policy for you.
What medical conditions do I need to declare?
You will need to disclose any medical conditions that have required treatment at a hospital (whether as an inpatient or outpatient), clinic or GP surgery. You will also need to disclose if you have a condition that has required surgery, or if you have a condition that you have been prescribed medication for.
New research reveals that of the travel insurance claims in the past year, 30% of people claimed to help cover the cost of medical treatment when abroad. This further validates the need to declare your pre-existing medical condition, otherwise any related claim would be invalidated.
Travel insurance pre-existing medical conditions list
You will need to declare if you have any of the following medical conditions:
- Any heart or circulatory conditions
- Any type of diabetes
- A stroke, high blood pressure or central nervous system disorder
- Any terminal illness
- Any type of cancer (whether in remission or not)
- Any lung or breathing condition
- An organ transplant or dialysis
- Psychological or psychiatric problems such as anxiety or depression
You will need to declare if you have any other serious or recurring medical condition, been prescribed medication or received treatment, or have been referred to a specialist at a hospital/clinic for tests or treatments. You will also need to declare if you have been placed on a waiting list for treatment or for further investigation.
