What medical conditions do you have to declare for travel insurance?

What is considered a pre-existing condition? A pre-existing condition is an illness, injury or medical concern that has included exams, treatments or a change in prescribed medication within 60 to 180 days of purchasing a travel insurance policy.


What is classed as a pre-existing medical condition?

As defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. A pre-existing condition could be known to the person – for example, if she knows she is pregnant already.

What are examples of pre-existing conditions?

A health problem, like asthma, diabetes, or cancer, you had before the date that new health coverage starts. Insurance companies can't refuse to cover treatment for your pre-existing condition or charge you more.


What reasons are not covered by Travelers insurance?

Losses due to venereal disease, AIDS virus, pregnancy (except complications of pregnancy), or abortion. Losses due to mental, psychological, or nervous disorders including anxiety, depression, neurosis or psychosis. Losses due to nuclear radiation or radioactive contamination.

Can travel insurance ask for medical records?

Without the waiver, the insurance company may look back in your recent medical records and use any relevant information to deny your claim. If you're concerned about pre-existing conditions, ask about a medical conditions waiver before purchasing travel insurance.


Travel insurance with medical conditions



Can you be denied travel insurance?

In general, travel insurance claims are typically denied because the claimant has misrepresented their medical history on the application form when applying for the insurance, or they suffer from a pre-existing medical condition that was unstable in the 90 days before leaving on their trip.

Do I need a doctors note to claim travel insurance?

You'll need to include copies of all paperwork that will help your claim, including receipts or medical certificates. You should also keep copies of the originals in case your claim is queried or refused. Your insurer may ask if you have other insurance that may cover the claim.

What conditions are not covered by health insurance?

Health insurance typically covers most doctor and hospital visits, prescription drugs, wellness care, and medical devices. Most health insurance will not cover elective or cosmetic procedures, beauty treatments, off-label drug use, or brand-new technologies.


Does travel insurance cover existing medical conditions?

If you have a pre-existing medical condition you should still be able to find travel insurance, but you might need to take out specialist cover as not all standard policies will offer the right level of protection.

Can I get travel insurance excluding pre-existing conditions?

When you buy travel insurance, it's essential that you declare any pre-existing conditions. Whether you've recently been diagnosed, are recovering from treatment, living with a long-term medical condition or no longer have a condition, you need to inform your insurance provider.

How do insurers know about pre-existing conditions?

While insurers generally determine the presence of a pre-existing condition based on an applicant's current health status, sometimes a healthy applicant can be deemed to have a pre-existing condition based on a past health problem or evidence of treatment for a particular condition.


Do you have to declare a pre-existing condition?

You should always declare pre-existing medical conditions on your travel insurance prior to taking it out. If you do not declare these conditions, even if they are stable at the time of taking it out, you may end up not being covered when you travel and being forced to pay expensive medical bills.

Do pre-existing conditions have to be diagnosed?

A pre-existing condition is a health issue that required diagnosis or treatment prior to an applicants' enrollment in a health plan.

How far back is a pre-existing condition?

A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee).


Does taking statins increase travel insurance?

Inflated travel insurance premiums can sometimes be caused by statins – cholesterol controlling medication.

Is anxiety a pre-existing medical condition?

Not only do insurers have to offer coverage to people with common pre-existing conditions, like depression or anxiety, plans also have to cover treatment.

Do you have to declare high cholesterol on travel insurance?

The short answer is, yes! Although high cholesterol is often seen as a minor condition, it's important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you're away, you can rest assured with peace of mind that it is covered.


Is anxiety a medical condition for travel insurance?

Standard travel insurance tends to exclude cover for pre-existing medical conditions, and this can include anxiety. If you have been diagnosed with any anxiety disorder, you will need to disclose it when applying for travel insurance to ensure that you are covered for your trip.

Does depression count as a medical condition for travel insurance?

Yes – depression is classed as a pre-existing medical condition once you have had a full diagnosis from a general practitioner or any other medical specialist qualified to do so. Essentially, the definition of a pre-existing medical condition is something that existed prior to you taking out a policy.

What happens if pre-existing conditions are not covered?

Coverage for pre-existing conditions

No insurance plan can reject you, charge you more, or refuse to pay for essential health benefits for any condition you had before your coverage started. Once you're enrolled, the plan can't deny you coverage or raise your rates based only on your health.


Is high cholesterol a pre-existing condition?

In the health insurance world, a pre-existing condition is any injury, sickness or condition that exists before the date an insurance policy takes effect. Examples include asthma, diabetes, anxiety, depression, high blood pressure, high cholesterol and so on.

What are two things not covered by insurance?

Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won't be covered.

What is an example of when travel insurance would not be necessary?

If your trip doesn't involve any nonrefundable reservations, you may not need travel insurance. For instance, if you've booked only airplane tickets and a hotel stay for your vacation, and they're both governed by flexible cancellation policies, the trip cancellation benefit may not be necessary.


Is high blood pressure a pre-existing condition for travel insurance?

You should always tell your insurer about your high blood pressure, even if it's being well-managed through medication. High blood pressure is considered to be a 'pre-existing medical condition' by insurers.

What medical questions are asked for travel insurance?

Some of the medical conditions you need to declare for travel insurance quotes include:
  • Respiratory conditions.
  • Heart, liver, kidney, brain or circulatory disease or damage,
  • Diabetes,
  • Strokes or central nervous system disorders.
  • Terminal illnesses.