Travel Insurance Tip No. 6 – Declare any pre-existing medical conditions

By , December 14, 2011 2:08 pm
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Tip number 6 in our top 10 travel insurance tips is; declare any pre-existing medical conditions when you buy travel insurance.

No matter how inconsequential a medical condition may seem to you, you need to declare it when you buy travel insurance. Anything and everything, from mild asthma to high blood pressure and heart disease, needs to be declared to your travel insurer at the time of purchase.

The definition of a pre-existing medical condition can vary between different travel insurers; you should check the terms and conditions of your policy for details. However in general a pre-existing medical condition is anything that you have visited the doctor for, or received treatment for, or taken medication for.

Many travel insurance providers make it easy for you to declare pre-existing medical conditions online as part of obtaining a travel insurance quote; others will require you to call them to declare medical conditions. Either way, it is generally very easy, and you should still be able to obtain instant travel insurance cover for your holiday without the need for any doctor’s certificates.

Failing to declare a medical condition when you buy travel insurance could cost you dearly, it makes no difference whether you did it on purpose, to try and save money, or inadvertently, because you didn’t think you needed to declare a medical condition.

If you don’t declare a pre-existing medical condition when you buy travel insurance you run the risk of incurring medical bills, which could easily amount to thousands of pounds, if you need medical treatment abroad.

So, the important thing to remember is, no matter how trivial you think your medical condition is, you should declare it when you buy travel insurance – you may find that it doesn’t increase your premium at all. But it will mean that you are appropriately covered by your travel insurance if you fall ill abroad and need medical treatment.

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