Travel Insurance & Pre-existing Medical Conditions
If you already have an existing medical condition when you go on your trip, it may not be covered by a standard policy. This is because travel insurance is a bit like a safety net, it's designed to deal with unexpected or unforeseen incidents, not those you already know about or could predict.
What is a pre-existing medical condition?
When you take out travel insurance, you need to tell the insurance company about any illness, disease or injury you have, or have previously had.
Examples of pre-existing medical conditions are:
- Respiratory conditions such as asthma or COPD
- High blood pressure or high cholesterol
- Heart conditions, for example angina or cognitive heart failure
- Kidney or liver disease
- Psychological disorders
- Operations you have had
- Any tests or investigations you are currently undergoing
- Something you know you have but haven't yet started treatment for
Why do I have to tell the insurance company about these conditions?
It doesn't matter if the condition is a distant memory and currently has no impact on your day-to-day life, you still need to tell the insurance company about it. If you forget to let them know about something, or deliberately decide not to disclose your condition, it may invalidate your policy, and you won't be covered if you need medical help while on your trip.
If you're not sure whether to declare a medical condition, on the side of caution let the insurance company know. If it's not relevant to your policy, they won't take it into consideration but if it is, you've probably just saved yourself a lot of grief (and money) should you get ill on your trip.