Travel Insurance - declaring pre existing medical issues

TELLIT01

When I was looking for travel cover I had one insurer whose on-line system said to phone them because I'm waiting for hip surgery and another who happily covered it, at a cost, on the basis of their on-line system.  There is no fixed approach by insurers.

Sandtree

katejo said:

Sandtree said:

katejo said:

lisyloo said:

Some insurance policies ask specific questions e.g. any cardiovascular issues? Rather than a general “any pre-exiting conditions”.
if (for whatever reason) you don’t wish to declare you could hunt around for one with suitable questions.

I much prefer ones which do it like this so I only need to think about those categories and not every minor sneeze under the sun...! Insure & Go used this method but they have been swallowed up by All Clear Insurance during the past 2 years since I last bought a policy.  I do sometimes come across comments from people who have chosen to exclude a condition and wonder how they manage to do it.

When you declare a medical condition there will normally be one of three responses:

1) Its covered free of charge
2) It won't be covered
3) We can cover it for £X

If you get option 3 you get the choice to pay the extra premium of have the condition excluded generally. 

Occasionally you will get a flat decline of the whole policy but that is less common unless you have had some significant conditions.

I have never had the option to travel but  without a condition being covered. Either it is covered or they won't sell a policy at all (though that hasn't actually happened to me).

With a packaged cover via bank account unfortunately have more than one condition in our family that the insurer will not cover or would only cover for a substantial AP that can be accepted or declines

heatherw_01

Why would you not declare them?
Say you have an accident or something happens to you. They will find out the health conditions and that will then invalidate your claim. Even if not related all because you failed to declare the conditions.

You can often declare and not cover conditions with numerous insurers so they know about the conditions.