how much to tell travel insurance

PPPv2

Hi i have a family member who is about to go on holiday this month and yet again everything left to last min. Travel insurance this relative suffers from anxiety symptoms and also now has to have a epipen cos of a once bad swelling due to tablets that they now dont take. Only quote so far was £100 compared to £27 when never mentioned the epipen. so could they leave out anxiety and epipen?

Caz3121

If they leave it out and need to make a claim, even for something totally unrelated, then they are likely to find themselves not covered
They could talk to an insurance company and see if they will exclude cover for these but cover anything unrelated

stevie11

Agree with the reply above. I would never leave anything out that could lead to a claim, especially if it is already a pre existing condition on their medical records.

Placitasgirl

As with all insurances, failure to make a true and full declaration is likely to void the insurance in the event of a claim.

As others have said even if you were to claim for (for example) breaking your leg whilst on holiday and it was discovered that you had pre-existing medical conditions which weren't declared, the Insurers are within their rights to deny the claim.

Surely not a risk worth taking for £80 or so? The insurance simply isn't worth buying if your relative isn't prepared to make an honest declaration as checking medial records in the event of any claim would reveal the true situation and invalidate their insurance anyway.

Mr_Wangers_Wang

Agree with those above.

If you get travel insurance and don't declare an existing medical issue, you would be as well not bothering getting any at all because that will be the result if something happens.

Ames

There might be an option to inform them of an illness but not have it covered. After having such a serious allergic reaction though do they really want to risk it? They might not take those meds anymore, but they could be given something else which causes a reaction.

They could also try looking for annual travel insurance, bizzarely it sometimes comes up as cheaper than single trip.

Also, try different providers. There can be vastly different prices even though they ask the same questions.

And don't forget cashback!