Travel Insurance – do you have to declare medical conditions which arise AFTER you’ve booked your holiday?
We’ve declared our pre-existing conditions, but 3 members of the family have since been referred to hospital for tests. Only one is travelling, but we’d probably have to cancel if the other two turned out to have something serious. I’m not too clear about whether we have to declare it now and then give updates after they’ve had their tests. Any ideas please?
August 24th, 2010 at 7:13 pm
You won’t have to declare the fact that your family have been referred for tests after you took out the policy and booked your holiday as I assume there is NOT an ongoing obligation under the policy. If there is you would have to argue that you are not being treated fairly as the whole point of holiday insurance is to cover cancellation costs should this sort of thing happen!
If you have an annual policy you will find that you would have to advise the insurance company before each trip of any medical conditions at the time of booking.
August 24th, 2010 at 7:49 pm
Ive never had to declare anything on travel insurance. They may have some clauses about things but I have never filed a claim.