Declaring Before Purchasing

BEFORE PURCHASING

If you have any pre-existing medical conditions, then the rules for acquiring travel insurance are altered. In terms of statistics, any medical history could mean that you provide a greater risk for the insurance company, and they will need to do some detailed checks to find out if they can indeed provide cover for your trip.

Advantages and Disadvantages

The advantages of this type of cover are that people who have a pre-existing condition are still able to acquire insurance when travelling abroad, which will not be permitted by many companies through their standard policies. It provides the reassurance that if anything happens to you abroad, then you do not need to worry that you are not covered.

One disadvantage is the possible increase in the premium, although this is by no means certain. If the condition is not deemed serious enough to increase the risk level, then the premium is likely to remain the same.

The other disadvantage is the amount of questions that will be asked about the condition, which some may feel are a bit too personal. The policy is very specific to each person and the conditions that they have, and as such it is a frustrating but necessary process.

Which conditions should be disclosed?

The short answer is all of them.. No matter how insignificant it may seem to you, if you say that you do have a condition, then you will either be politely denied any cover on the spot, or you will be redirected to the specialist section, which will usually involve phoning the company, to find out further details.

Medical Screening

It varies from company to company, but in general you will be asked about a range of conditions, including physical or mental disorders such as anxiety, stress and depression, and any other conditions which are currently unresolved.

Risk factor

If your risk factor is deemed too high, then you may be refused insurance altogether. However, a more likely outcome is that you will only be able to take out single-trip cover for a one-off holiday, rather than multi-trip cover for the whole year. Another possible outcome if your risk factor is too high is that you will be offered insurance, but without any medical cover for treatment directly related to your condition. Remember, the area of travel also plays a factor in the risk rating

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