Certain medical conditions need to be declared when applying for travel insurance or you could be hit with bills of more than £150,000.
The Foreign Office is urging Brits to declare this one thing on their travel insurance or risk bills costing more than £150,000. Getting your travel insurance is an important part of planning a holiday, providing financial protection if you run into any problems while away.
But when applying for cover, failing to disclose any previous medical issues could completely invalidate your insurance. The Foreign Commonwealth and Development Office warned: “If you travel internationally you should buy appropriate travel insurance before you go, covering you for existing physical or mental health conditions and any activities you will be doing whilst you are away.
More specifically, it explained: “Declare existing conditions or pending treatment or tests so that you are covered if there are related complications during your trip; failing to declare something may invalidate your travel insurance.”But what counts as a pre-existing condition. Money Saving Expert , the site founded by Martin Lewis, says that some insurers may need details of conditions taking back many years.
The site lists some of the most common medical conditions that you need to disclose when buying travel insurance – though this is not a complete list:MSE adds: “It may sound like a daunting task but it will help you to find the right policy for you. If you do not share this information with the insurer, it is very likely to invalidate your policy and any cover.”
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