Commonly known as a ‘pre-existing medical condition’, this term covers a lot – from allergies to broken bones.
Different insurance companies have different definitions. But your insurer is likely to consider any of the following a pre-existing medical condition:
- any condition you’re waiting for an operation on
- any condition that you’re currently awaiting test results for
- any condition, even a minor one, that you’ve seen a doctor about in the past year
- any serious condition – cancer, heart trouble, respiratory problems – you’ve ever had.
They’ll also want to know if you’re taking any medication.
You’ll need to declare all existing medical conditions when buying travel insurance.
If you’re not sure whether to declare, it’s important not to assume it’s covered. Always ask your insurance provider, otherwise you risk any claim you need to make being rejected.
Some policies or insurers won’t cover your medical condition. While others will give you cover but exclude your particular condition or charge extra for it.