When it comes to insurance, understanding the ins and outs of pre-existing medical conditions can sometimes be a bit confusing. But don't worry – we're here to help you navigate this important aspect of your policy.
What counts as a pre-existing medical condition?
In the world of insurance, a pre-existing medical condition refers to any personal illness or health issue that you're already aware of before purchasing an insurance policy. It's essential to know what qualifies as a pre-existing condition because it can impact your coverage and claims.
This may include but isn't limited to:
Mental health issues: Mental health issues need to be declared as much as physical ones.
Chronic illnesses: Chronic illnesses such as Crohn's disease, cancer, and Irritable Bowel Syndrome (IBS) can come under long-lasting chronic health issues.
Diabetes: Type 1 and Type 2 Diabetes should be disclosed alongside any complications such as eyesight problems, nerve damage and issues in your feet and legs.
Asthma and respiratory issues: You may be asked about your asthma treatment and how often you have attacks. Other airway conditions such as cystic fibrosis also need to be disclosed .
Heart conditions: Disclose any cardiovascular-related issues or history of them, including coronary artery disease, congenital heart defects, cardiomyopathy (abnormal heart muscle), and arrhythmias (abnormal heart rhythm).
Joint and bone inflammation: Joint issues such as arthritis or gout should be disclosed, as well as any condition that causes mobility restrictions or acute pain, including while you're travelling.
Pregnancy is not seen as a pre-existing medical condition, so doesn't need to be declared. However, if you're planning on travelling during late stages of your pregnancy, please check with your insurer. For more detailed information, please see our Pregnancy Travel Insurance page.
Why it's important to share your health history
Being honest and upfront with your insurer about your health history is crucial. If you don't disclose your pre-existing medical conditions, it could lead to your insurer refusing to pay out when you need to make a claim. In some cases, it might even result in your policy being invalidated. So, it's always better to be transparent with your insurer from the start.
If you've bought travel insurance and developed a condition - or are undergoing tests and awaiting results - it's important to let your insurer know straightaway in case your policy needs amending.
Unsure about what's covered?
If you're not sure whether you need to declare a specific medical condition, reach out to your chosen insurer as they are there to help. They will advise you if you need to disclose your condition or not and will guide you through the process. This means that you will have peace of mind knowing you're properly covered.
Find out more and get a quote
For more information on pre-existing medical conditions and to receive a quote tailored to your needs, head over to our Pre-existing Condition Travel Insurance page. We're here to make insurance clear, straightforward, and stress-free – so you can focus on enjoying your travels with confidence.