PACES Station 4: Travel Insurance

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Travel Insurance and Medical Conditions You Must Declare

Having a pre-existing medical condition does not automatically mean you will be unable to obtain travel insurance, or that it will be too costly. It is extremely important, however, that all medical conditions are declared when you apply for travel insurance. It doesn’t matter how insignificant the condition may seem, do not leave anything out - even high cholesterol. Your medical conditions may seem insignificant to you, but as far as the insurers are concerned they are all important. Some conditions, when combined with others, pose a greater risk.

Never neglect to mention a condition for fear that the company will not insure you, or because it may cause the premium to be increased. If you fail to declare a pre-existing medical condition and a problem arises you risk having any related claims denied. Emergency medical treatment is very expensive in most parts of the world (especially the U.S.) and could mean a hefty bill.