What Happens If You Don't Declare Medical Conditions For Travel Insurance? - Best Money Saver

1st December 2018by Chloe Dickenson

Some travel insurance providers may offer you cover for pre-existing medical conditions, but it’s imperative that you declare your conditions before you take out the policy.

Failure to do so could result in various complications, discrepancies and issues for both yourself and your travel insurance provider, so it’s always best to declare anything you’re aware of.

It can be a difficult place to be in when you suffer from medical conditions as it often means higher costs for your travel insurance.

Here’s what can happen if you don’t declare medical conditions for travel insurance.

Risk of not being covered

One of the major things that will happen is that you’ll suffer from a risk of not being covered if you don’t declare your medical conditions.

Many people don’t declare their pre-existing conditions in order to try and reduce their premiums, but if they need to make a claim on their travel insurance, then they run the risk of not being covered.

If a situation arises whereby you have an accident or injury while you’re on holiday as a result of an undisclosed condition that you suffer from (but didn’t declare) then you will be at risk of not being able to make a claim with your provider.

Your insurance provider won’t pay out

Similarly to the point above, if you’re not covered for your claim due to not declaring your medical conditions, then your travel insurance company probably won’t pay out.

This is because they weren’t aware that you needed to be covered for a certain condition, so they won’t pay out any expenses such as medical bills.

You could incur some pretty hefty fees

If you’re not covered by your travel insurance due to undisclosed medical conditions, then you’ll likely have to pay any medical bills yourself.

For those travelling to America for example, you could face extortionate medical bills if you suddenly require treatment due to an accident or injury due to an undeclared medical condition but aren’t covered because you failed to declare it.

That means you’ll likely have to pay the medical bills yourself, which can often run in the high thousands in some places of the world, depending on what kind of treatment you require.

What to do to ensure you’re covered

In order to avoid the risk of not being covered, it’s imperative to ensure that you fully declare any medical condition that you suffer for. There are a few ways to ensure that you’re fully covered for any eventuality that you may experience while on holiday.

Let your provider know beforehand

One of the ways to ensure that you’re fully covered is to make your travel insurance provider aware before you take out your policy.

You must declare each and every medical condition that you suffer from, as well as any risks you may incur while away, and any medication you’re taking as treatment.

Many people are tempted not to disclose their medical conditions as they’re aware that their policies can be much higher. However, it can prove to be truly detrimental if you do need to make a claim on your travel insurance, but you haven’t actually declared the condition to your provider.

It’s truly not worth the extortionate costs of having to pay the medical bills yourself, so make sure you let your travel insurance provider know before you take out the policy and go on holiday.

Contact your provider if anything changes

As well as making sure you let your provider know before you take out your policy, you should also keep them updated throughout the duration of your policy if you contract any other type of illness or disease that they should be aware of.

Conclusion – what happens if you don’t declare medical conditions for travel insurance?

It’s safe to say that if you don’t declare any medical conditions for travel insurance then you could be facing some pretty unnecessary risks.

While it may seem unfair to have to pay a higher premium policy just because you suffer from a pre-existing medical condition, it is actually in your best interest to do so. This is so you don’t run the risk of not being covered and having to pay for your medical bills and treatment costs yourself.

There are a vast number of medical conditions that need to be declared, that all vary with different policy providers so the best thing to do is to check with your insurance provider to see which ones you definitely need to declare.