When buying travel insurance, it’s important to tell your insurer if you have a pre-existing medical condition.
Depending on what the condition is, you may get a specialist policy that covers you for any related treatment while you’re on holiday.
You can find a policy that offers suitable cover by declaring your condition when you get a quote.
Some common conditions include:
- Respiratory conditions
- Heart, kidney, liver, circulatory or cerebral conditions
- Stroke or central nervous system disorders
- Cancerous conditions
- Terminal conditions
- Psychological conditions (diagnosed or treated)
Meanwhile, if you’re prescribed certain medication, you’ve recently received treatment, or had a consultation, then you may also have to declare this too.
If you choose to take out a standard policy without telling the insurer about an existing condition, and then go on to make a claim relating to this, your claim may be refused and the policy could become invalid.
- Medical expenses could be covered if you get ill or injured abroad
- Repatriation could also be covered if you are unable to travel on your pre-arranged transport, so you could be closer to your friends and family back in the UK
- With cancellation cover you could claim back your hotel and transportation costs if you are forced to cancel your trip
- Your luggage, personal possessions and money could also be covered if they are lost, stolen or damaged
- Most travel insurance policies offer a 24 hour helpline providing advice and support in an emergency
- Get travel insurance in advance, as you might not be able to get the full benefit of cancellation cover. In 2014, 46% of people bought travel insurance less than a week before going away and 6% bought on the day! (Confused.com data)
- It’s important that you declare any pre-existing or medical conditions that you or your travel party have or might have developed during the term of policy
- Read the terms and conditions of your policy in advance and take a look at the excess and policy exclusions to make sure you’re covered (most policies exclude alcohol and drug related incidents)
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