Before going on holiday, it is essential that you think about travel insurance but more than this, that you also get cover which you are not actually invalidating the moment you purchase it. One of the most common mistakes people make when buying holiday insurance is to do all they can to try and chip away at the trip costs, yet this small saving can end up being one of the biggest mistakes you will make when planning a holidays.
If you become ill or get involved in a serious accident whilst abroad, an unprotected traveller will have to pay for the medical costs and these bills can often mean a bill of thousands of pounds. Travel insurance ensures that it the insurer who pays for your medical costs, medications, and transport home and this is no problem provided that when applying for insurance, you answer ruthfully the questions on your current state of health. Questions will include your present state of health, as well as about any pre-existing medical conditions are questions you should always answer honestly and to the best of your ability.
It is a common misconception to believe that not revealing you have a medical condition saves money. It only saves money if your holiday goes off without a hitch. The problem occurs if something goes wrong and the insurance company then dicover that even the smallest of details was missed out on your application. If you fall ill, and it’s linked with a pre-existing medical condition, the insurer might cover your costs initially, but they’ll seek recompense when you return. Some insurers will not provide any cover at all on discovering any disrepancies and invalidate your policy. Furthermore, giving false information is fraud.
To further discredit the myth that not declaring your medical conditions saves you money, it is also not every medical condition adds anything to your premiums. There are also specialist insurers which have lower premiums for those with pre-existing medical conditions. In this case, declaring any underlying problems can add very little onto the cost of insurance.
Generally, you should declare anything you think relevant. It doesn’t matter if it’s something which last caused problems decades ago. It’s best to declare everything just in case the worst happens. No insurer will bump up the cost of insurance significantly because of an asthma attack 15 years ago. Here are some of the major medical conditions you should always declare.
Declaring your medical condition entitles you to further benefits than just having the costs of medical care covered.
Be as specific as you can. Usually, it’s just a matter of taking an insurer’s survey. Most insurers do this over the phone or online. They’ll ask you a question and you can choose from multiple answers. There’s also a comments box where you can add some extra details. If you have a condition, it’s wise to visit your doctor before taking out travel insurance. They can give you the most up-to-date information on your condition and the vital information you need to accurately brief an insurer.