You get a standard travel insurance policy
You get insurance, but without medical cover for your condition
You get insurance at a higher price
The insurer imposes certain exclusions, terms or higher excess payments
You are refused insurance
What counts as a pre-existing medical condition?
A pre-existing medical condition can be any kind of illness, disability or injury that you have suffered from when or before you take out your travel insurance policy.
It can also mean acute or chronic conditions you’ve recovered from and been given the all-clear such as cancer, or high blood pressure and cholesterol.
What medical conditions do you have to declare for travel insurance?
Even though it’ll probably cost you a little more, it’s a good idea to inform your insurer of any condition you are currently suffering from or receiving treatment for – even minor conditions like mild asthma and depression, or recovery from an operation. If you don’t, you run the risk of having your claims rejected.
What happens if you don't declare medical conditions?
If you go on holiday with a standard travel insurance policy and don’t inform your insurer of your medical circumstances, there’s a very real danger that any claims you make – especially those of a medical nature – are rejected. The worse the condition, or the more directly it is involved in claims you make, the more chance there is that your insurer will investigate your medical records and reject your claim.
How much medical cover do I need for travel insurance?
In a standard travel insurance policy, £5m is considered a decent level of cover for medical expenses. For most people this will be enough to cover treatment for pre-existing conditions, but policies for people suffering from the most complex or severe might have a higher threshold – for a higher price.
Will I get approved for travel insurance with a medical condition?
Your travel insurance is likely to be approved in all but the most serious circumstances, though there’s a good chance you might have to pay more than the average traveller.
If your condition is mild or well managed, you may not see any bump in premiums at all.
Do I still need travel insurance in Europe if I have an EHIC card?
The UK has now left the European Union, and entered a transition period due to end on December 31, 2020. Until then. European Health Insurance Cards should still work - but it's still worth taking out additional cover when you travel.
What is a Defaqto rating?
Defaqto is a company which rates and compares the quality of various financial products, awarding them a star rating out of five according to their features and delivery. A four- or five-star rating is a decent guarantee that a particular insurance policy will be right for you
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