Travel insurance is essential if you want to protect yourself from potential risks while traveling. It allows you to enjoy your vacation without worrying about medical emergencies, flight cancellations, or lost luggage. However, it is crucial to declare any pre-existing medical conditions before taking out the policy.
Failing to do so can have serious consequences, not only for your health but also for your finances. In this blog, we will discuss what happens if you don’t declare medical conditions for travel insurance and how it can impact your holiday plans.
What Happens If You Don’t Declare Medical Conditions For Travel Insurance
If you don’t declare a medical condition when you take out travel insurance, and then have to make a claim for treatment relating to that condition, your insurance company is likely to refuse to pay out. This is because they will argue that you failed to disclose a material fact when taking out the policy – in other words, you lied. As a result, you could find yourself left with large medical bills and no way of getting them paid.
There are a few things that could happen if you don’t declare your medical conditions for travel insurance. One possibility is that your insurance policy might not cover you if you get sick or injured while traveling.
Additionally, you could be fined or even sent to prison for not disclosing your medical conditions. It’s important to always declare any and all medical conditions when buying travel insurance, so you can be sure you’re fully protected in case of an emergency.
What Happens If I Didn’t Declare Medical History To The Travel insurance company
If you don’t declare a medical condition when you take out travel insurance, and then have to make a claim because of that condition, your insurance company is likely to refuse to pay out.
This is because they may argue that you took out the policy knowing that you had a medical condition and that you, therefore, misrepresented yourself when you applied. As a result, it’s always important to declare any medical conditions you have when taking out travel insurance.
If you choose to travel without declaring any medical conditions, you could be risking invalidating your travel insurance policy if something goes wrong while you’re away. If your health worsens while you’re abroad and you need medical treatment, the costs of this could well be excluded from any claim you make on your policy. It’s always best to declare all of your medical conditions when taking out travel insurance, in order to ensure that you are fully covered in the event
Travel Insurance Excluding Pre Existing Conditions
Insurers will classify your trip as either ‘European’ or ‘worldwide’. Selecting the option to include all of these countries (including the US, Canada, the Caribbean, and Mexico) increases the premium because of the high cost of medical treatment. There are many immigrants in the US – and some may be repatriated.
Annual travel covers are not just for Europeans.
If you’re traveling just outside of Europe, you don’t always have to purchase worldwide coverage. In fact, many insurers allow you to use their European coverage in a few non-European countries too.
Before you travel to Europe, it might be a good idea to get a quote for your coverage with one of the insurance companies. Once you have a quote, make sure the policy includes the entire geographic area you’re planning to visit. The following companies offer insurance in Europe – Allianz* Insure and Go and Europcar*. Cover the entire map of Europe with classes Egypt, Morocco, Turkey, and Tunisia.
It’s important to note that not all insurance companies include Spain (and the Balearic/Canary Islands) in their European coverage – you may have to pay extra to include Spain if you plan to travel there.
Does the Foreign Office recommend against traveling to my destination?
The Foreign Commonwealth & Development Office (FCDO) has a list of countries that it does not recommend for travel because of safety concerns. This list usually includes areas where there is war or terrorism, or other reasons why it is not safe to travel. The list is currently longer than usual because of the pandemic.
If you’re traveling to a country that the Federal Department of Foreign Affairs is advising people not to travel to due to safety concerns, your travel insurance company won’t cover you even if you were allowed to travel when you made your reservation.
When you’re booking your trip and in the weeks leading up to your departure, check the Foreign Office website for the latest information. You should also be aware of any travel restrictions that may apply to the country you’re visiting-you can usually find this information on their website. This is how the UK embassy website describes it.