Medical conditions you must declare when buying travel insurance

which? medical condition insurance
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Which? yesterday revealed that millions of Brits are left unprotected by not mentioning medical problems when buying travel protection.

In the scenario where undeclared medical conditions cause someone to fall ill abroad, it could cost the holidaymaker more.

According to Which?, a new survey by Medical Travel Compared found that most Brits don’t feel the need to disclose any illness to insurers unless they’re currently taking medication for them.

When planning to purchase travel insurance, you always need to disclose if you are being treated or taking medication for a condition.

This includes serious conditions such as respiratory or heart conditions, even if you have stopped receiving treatment for them.

Below are 10 medical conditions Which? has highlighted that, as a general rule, you must declare when purchasing travel insurance.

1. Type 2 Diabetes

If you have received treatment or diagnosis in the last two years, you need to declare.

2. Diagnosed current pregnancy complications

Relevant if you are pregnant and are suffering complications.

3. Epilepsy

If a seizure resulted in a visit to medical practitioner or treatment within the last two years

4. Asthma

If you have ever suffered from any diagnosed respiratory condition.

5. Parkinson’s Disease

If you have received diagnosis or treated for early onset Parkinson’s within two years

6. Arthritis

If you have received diagnosis or treatment within two years for any diagnosed medical condition

7. High blood pressure

If you have ever suffered from any diagnosed circulatory condition

8. Post-traumatic stress disorder and depression

If you have ever suffered from diagnosed psychiatric or psychological conditions

9. Irritable Bowel Disease

If you have received diagnosis or treatment within two years for any diagnosed medical condition

10. Cancer

If you have ever suffered from any diagnosed cancerous conditions

Bear in mind that the requirements can vary for different insurance providers.

Always ensure that you check your insurance provider’s terms and conditions carefully and thoroughly when taking out a new policy, especially if you have ever been diagnosed with any of the above conditions.

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