Things To Disclose When Applying For Travel Insurance?

When purchasing travel insurance, it is crucial to declare all pre-existing medical conditions to ensure the right level of coverage. Not telling your insurer about your medical conditions means you are at risk of not being fully protected. Common conditions that should be declared include high blood pressure, high cholesterol, asthma, anxiety and depression, stroke, and mobility impairment.

It is essential to update your provider and look for policy exclusions when purchasing travel insurance. Medical conditions that need to be declared include chronic illnesses like diabetes or heart disease, recent surgeries, psychological conditions, and long-term or chronic conditions like asthma, Crohn’s disease, high blood pressure, diabetes, or epilepsy. For those over 65, all existing medical conditions must be declared when buying travel insurance.

For short trips close to home, travel insurance typically doesn’t need to be purchased. It is important to know the coverage limitations, exclusions, and fine print of each type of insurance. Gastrointestinal conditions, heart conditions (including high blood pressure), and common conditions like high cholesterol, asthma, anxiety and depression, stroke, and mobility impairment should be declared.

In summary, declaring all pre-existing medical conditions when applying for travel insurance is crucial for ensuring your safety and well-being.

Do you have to declare acid reflux on travel insurance?

When purchasing travel insurance, it is crucial to declare any pre-existing medical conditions, such as gastric reflux, to avoid large medical bills if treatment is needed in another country. This can be done through an online medical screening process or over the phone. Failure to disclose any pre-existing conditions may affect the validity of the policy, especially if a claim is made. Therefore, it is essential to declare all pre-existing medical conditions when obtaining a medical travel insurance policy.

What are two disadvantages travel insurance?

Travel insurance costs increase with the cost of your trip, as providers need to reimburse for valid claims. Age also affects policy costs, with younger travelers being less likely to file claims. The type of coverage you choose also impacts the cost. To determine the cost, gather quotes from multiple providers and compare them to find the coverage that best fits your needs and budget. However, there’s a risk of paying for unnecessary coverage. Ultimately, buying travel insurance is a gamble, but it’s a decision you can be happy with if your vacation doesn’t go as planned.

Do you have to declare blood thinners on travel insurance?

The Foreign and Commonwealth Office (FCO) advises travelers who are taking anticoagulant medication to obtain travel insurance coverage, as such policies often extend coverage to include blood thinning medications and other medical conditions. It is of the utmost importance to inform insurance providers of this necessity when undertaking travel abroad.

What is often not covered in travel insurance?

Travel insurance policies typically exclude coverage for known, foreseeable, or expected events, epidemics, or fear of travel. However, COVID-19 is a known global event, and policies may cover changes in plans or cancellations due to it. Some airlines and tour companies may allow cancellations outside of an insurance policy, and medical coverage may cover illnesses or hospitalizations during a trip. It’s essential to review your travel policy to determine which exclusions apply. Some policies may allow cancellations outside of an insurance policy.

Do you have to declare fatty liver on travel insurance?

Travel insurance should be declared if you have a fatty liver condition, as it can worsen and develop into more severe liver damage. This helps protect you from large medical bills during overseas treatment. However, many standard travel insurance providers exclude people with long-term health conditions like fatty liver disease. Medical travel insurance providers like Free Spirit offer travel cover to people of any age with existing medical conditions.

Their fatty liver travel insurance covers essential aspects of holiday cover, including ensuring you can return home if you cannot travel as planned and protecting your important travel documents against loss, damage, or theft. Additionally, their cancellation cover protects you financially in case your health prevents you from taking your trip.

What are pre-existing conditions for travel insurance?

A pre-existing condition is a medical condition that you have before traveling, and it may not need to be formally diagnosed. It can be considered pre-existing if you have sought treatment, had symptoms, or taken medication within a few months before your trip for an injury, illness, or medical situation. For example, if you have high blood pressure and are prescribed medication to lower it, most travel medical insurance companies consider it a pre-existing condition.

Other pre-existing conditions include asthma, heart disease, high blood pressure, diabetes, chronic illnesses, and arthritis. Medical travel insurance can provide protection if you or a loved one plan to travel with these conditions or other pre-existing medical conditions. A pre-existing condition could increase the risk of other medical issues, such as autoimmune disorders.

Do you have to declare kidney stones on travel insurance?

Travel insurance can cover kidney stones if all medical conditions are declared when purchasing the policy. The company offers chat services Monday-Fri from 8:30am to 6pm, and phone changes may incur a £15 fee. However, changes can be made without additional charge by logging into My Staysure. The company’s opening hours are Monday-Fri from 8:30am to 8pm, Saturday from 9am to 5:30pm, and Sunday from 10am to 4pm.

Do you declare high blood pressure on travel insurance?

High blood pressure, also known as hypertension, is a significant risk factor for health problems such as strokes, heart attacks, and aneurysms. To obtain travel insurance for someone with high blood pressure, it is essential to inform your insurer about your condition, even if it is being managed through medication. High blood pressure is considered a ‘pre-existing medical condition’ by insurers, which directly affects the type of policy you need and the chances of claiming.

If you don’t inform them, your policy may not pay out. When arranging travel insurance for someone with high blood pressure, you should expect to be asked questions by the insurer, so be prepared with the necessary answers to avoid multiple calls to complete the purchase.

Does taking cholesterol medication affect travel insurance?

If your cholesterol is well controlled by medication, adding it to your insurance policy should not affect the price but increase the coverage and fill gaps. This allows you to enjoy your holiday and travel with peace of mind. It’s important to declare cholesterol medication as a precautionary measure following a heart condition or due to age. Freedom offers high cholesterol travel and holiday insurance at a fair price, ensuring adequate coverage for personal needs, including pre-existing medical conditions.

Does taking statins affect travel insurance?

Taking statins for cholesterol control can affect travel insurance claims, so it’s important to inform your insurer before purchasing a policy. It’s best to declare any medication you’re on, except for contraceptive treatment, to avoid invalidating your insurance. Obtaining travel insurance with a medical condition is straightforward, but it’s important to be honest about your health. To get a quote, contact an insurance provider or broker like Howden and provide all necessary information about your health.

Do I need to declare high cholesterol on travel insurance?

High cholesterol can be covered by travel insurance, even though it is often considered a minor condition. It is crucial to declare it on your policy to ensure it is covered in case of any linked conditions. However, finding travel insurance with a medical diagnosis can be more difficult or expensive than for someone without no medical conditions. Insurancewith, founded by Fiona, offers travel insurance for cancer patients, addressing the issue of often unavailable or prohibitively expensive policies.