It’s important to be aware of what medical conditions you need to disclose on your travel insurance policy; what you disclose can have a significant impact on how an insurance provider views your level of risk when drawing up policy details. It’s similarly worth remembering that different insurance providers may have varying opinions of what they count as a pre-existing medical condition. To this end, it’s worth checking the terms and conditions of travel insurance providers such as Worldwide Insure to find out how you can get the most out of a policy.
Most people filling out a travel insurance policy will have some uncertainty over what they should disclose; some insurers will only require information on any medical issues that have arisen in the past twelve months, while others will require five years and longer as the basis for a history. Some of the more common pre-existing conditions that are required include heart disease, cancer, and any illnesses that might be triggered by long distance travel.
Disclosing medical conditions to an insurer might not always result in your premium going up; indeed, the more information that an insurance provider receives, the more likely it’ll be that they can tailor a policy to best suit your needs. In some cases, which can include pregnancy or a recent diagnosis, insurers may require a doctor’s report or a medical screening that provides some assurances that you are in a fit state to travel. Generally speaking, the older you are, the higher your perceived health risk will be for an insurer.
There can also be special conditions that affect the cost of a premium; for example, any chronic conditions that can be easily managed might not be viewed as being particularly high risk; examples might include diabetes or chronic fatigue. Consenting to a medical screening before you travel, and providing details to your insurer, can typically enable you to disprove any caution or pessimism from a company that’s unwilling to offer you a policy.
Pre-existing conditions that might cause more significant problems with a travel insurer, however, can include illnesses that are recurring and have become more acute in the months before you travel. A recently diagnosed illness where there isn’t a clear treatment plan yet developed, or a recent heart attack, can be viewed as a red flag by insurers that are concerned about a costly claim being activated.
To this end, it’s important to be as clear as you can be about any existing conditions, while also making sure that you compare the market for insurance companies to ensure that you’re getting a fair deal. If you want to disclose problems further down the line, it’s better to be upfront and honest, as this can enable you to avoid a lengthy claims process and the chance of paying increased costs if you’re found to have misled your insurance company when taking out your contract.
Paul Warren writes blogs about how you can get the most out of your insurance when travelling abroad. He recommends getting your travel insurance with Worldwide Insure. He writes also blogs about how to safely travel with medical conditions.