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travel insurance for medical conditions

Medical conditions

Published: 04 June 2015

Before buying your travel insurance policy, you must declare any medical conditions you may have. However small, declaring these will insure that you have cover should complications arise.

Here are some factors to keep in mind:

Declare medical conditions
Medical conditions include any disease, illness or injury, including psychological conditions. If you are suffering from any kind of disease or long-term illness, even if it is under control, you still need to mention it. The same logic applies to any kind of psychological conditions as well, however minor or under control. This way, your travel insurance provider will be able to tell you whether your specific condition can be included in the cover or not. If you’re still unsure whether your medical condition needs to be mentioned, or want to check whether it will be covered by your travel insurance, you can visit or call 0330 123 5645.

Change in medical conditions
Once you’ve completed your medical screening and bought your travel insurance policy, you will still have to advise your insurance provider in case there is any change in your medical condition between the dates you purchased the policy and your actual trip. Changes could range from new courses of treatment for an existing condition, new medicine prescriptions or even any alterations made to your current course of treatment and prescribed medicines. Not just that, in case you are referred to a specialist by your doctor, have been admitted to hospital or are waiting to receive medical test results or even treatment like surgery, you must mention it to your travel insurance provider. Otherwise, you could find that you are not properly covered in case of an emergency.

High-risk medical conditions
With some medical conditions that an insurer would consider ‘high risk’, getting travel insurance can be tricky. Travel can even be unadvisable if you are adversely ill or have a severe condition, since there may be a possibility it could worsen whilst away. If you are awaiting hospital tests or treatment, travel insurance also many not cover you, so always check with the provider.

Consider these factors as you go through the process of securing your trip to ensure you are fully covered in as many ways as possible. Nothing better than travelling without worry!

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