Why cover medical conditions?
Previous medical history is something often overlooked when seeking travel insurance cover, however, it’s vital that you have cover for any previous, reoccurring, or ongoing medical conditions to ensure you are fully covered in the event of a claim and to avoid scenarios like the following: You are cruising around the Caribbean islands when you experience chest pain and are admitted to the on-board hospital facilities for tests, and if necessary, treatment. However, you failed to declare your blood pressure and cholesterol medication on your travel insurance policy. Upon your return home, you contact your insurers claims department, only to be told your policy is invalid as you failed to declare conditions that are linked to your medical claim. You are now responsible to cover any associated medical costs which can run into significant amounts, especially when travelling to worldwide areas.
We always treat customers fairly and will only screen conditions that are applicable to our declaration questions. It’s very easy to overlook a condition that you consider to be stable, such as blood pressure, cholesterol or even reflux. However, if you have medication prescribed to treat, prevent or maintain a condition, you will need to ensure you declare it to avoid invalidating your insurance. If you were treated for a condition, such as a type of cancer, several years ago – But still have routine, regular check-ups, you will still need to declare this on your insurance. If you are unsure about any aspect of your medical screening, it’s always worth speaking to one of our experienced and friendly travel insurance agents to help guide you through the process.