Travel insurance - worth declaring conditions?

OwenParry_2

Advice please. My wife has a medical issue for which she is waiting to be seen by a consultant and expects an appointment in about 3 months time. It is in no way life threatening but may lead to elective surgery at some point in the future. I am happy to declare this medical condition on applying for travel insurance but find that the policies immediately exclude this condition from any claim.

So my question is basically is it worth declaring the condition and being asked for a higher premium only to have the condition excluded. What might be the consequences of taking out a policy without the declaration but then having to make a claim for some unrelated medical (or indeed non-medical) condition?

InsideInsurance

If they believe you intentionally didnt declare something then this is considered fraud and would void the policy. If they felt you accidentally didnt declare it then they'd be entitled to ask for the additional premium if they would have covered it had you declared it.

The loading for a condition which they are declining to cover tends to be fairly small, certainly in comparison to having a condition covered.

Quentin

How can you be sure that any claim you make will be unrelated?


You cannot get cover for this existing condition, or related matters.


You do have to declare you are telling the truth when applying, and will get found out in the event of any medical claim.

xMonsoonx

Can you afford a medical team and medi plane home for her?

puppey

Also just confirming peoples comments, if you don't declare it and then make a claim they can reject the claim.

PeacefulWaters

It's a stupid risk to take to save a couple of quid.

Rossim1985

Don't even think about it. It's just not worth the risk at all. Medical records being what they are you will easily get found out.

I was diagnosed with a form of arthritis earlier this year. Out of curiosity I got a price both with and without declaring it. It was a single trip policy to Egypt and they loaded the premium by another £15 based on the condition.

Given that back in 2007 I had a travel insurance claim involving a broken leg that cost somewhere around £15,000, I'm not someone who would ever ever not declare or get the cheapest possible policy.

I promise you, if you ever did have claim you will regret it.