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Why you need to declare your medical conditions on your travel insurance

Pre-existing medical conditions are not often covered by standard travel insurance policies and in failing to do so, you run the risk of invalidating any claims you need to make that relate to your pre-existing medical condition. As such it's imperative that you declare them when taking out such a policy, and secure a medical travel insurance policy that covers existing medical conditions.

Common conditions that need to be declared

Medical conditions that you will need to declare to claim travel insurance range from high cholesterol to cancer, and also include conditions or diagnoses that have recently occurred, such as a heart attack or stroke. These all present an 'increased risk' of needing medical treatment abroad and as such, are required to be declared when booking travel insurance. Though not immediately obvious, you will also need to declare 'manageable conditions' such as diabetes and asthma, conditions which travel and flying may present adverse effects.

When going through your health screening for medical travel insurance, answer all questions honestly as this will strengthen your claim, should you need to make one.

Why choose Holiday Extras for your medical travel insurance?

  • - Over 25 years experience selling travel insurance.
  • - Voted best insurance provider 12 years running.
  • - Tailored policies to suit your personal requirements.
  • - UK-based contact centre and 24/7 helpline.
  • - All medical conditions considered.

How do I declare my pre-existing medical condition?

To declare any pre-existing medical conditions, simply enter your travel details at the top of this page to be taken through to our medical screening process. This should only take a few minutes, and all your information with be treated with the utmost care and confidentiality.

Compare medical travel insurance cover levels:

Bronze
Silver
Gold
Emergency medical and repatriation expenses
£5,000,000
£10,000,000
£15,000,000
Cancellation
£1,000*
£2,500*
£5,000*
Curtailment and loss of holiday
£1,000
£2,500
£5,000
Personal possessions
£500
£1,500
£2,000
Passport and other documents
£150
£250
£350
Personal money
£300
£500
£750
Baggage Delay (outward journey)
£100
£150
£300
Missed departure
£500
£500
£1,000
Missed connection
£500
£500
£1,000
Personal liability
£2,000,000
£2,000,000
£2,000,000
Legal costs and expenses
£25,000
£25,000
£25,000
Scheduled airline failure
£1,000
£2,500
£2,500
End supplier failure
X
£2,500
£2,500
Pet Care
X
X
£500

*Or as specified on your schedule

Holiday Extras Travel Insurance is sold and administered by Holiday Extras Cover Limited who are authorised and regulated by the Financial Conduct Authority under registration number 828848.

Holiday Extras™ is a Trading Name of Holiday Extras Cover Limited

Holiday Extras Travel Insurance is provided by Taurus Insurance Services, an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830.

The insurance is underwritten by Great Lakes Insurance SE. Great Lakes Insurance SE is a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Firm Reference Number: 769884. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.