Research by the insurer Staysure suggests that one in six adults does not disclose certain medical conditions (often because they are unaware of what needs to be declared) and this could invalidate their policies.
What you need to disclose about your medical history is determined by your insurer, not an industry body. Insurers typically ask for about two to five years of medical information, including details of any conditions for which you have received treatment during that time.
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Similarly, Staysure has a two-year timeframe for most health conditions.“Even if you no longer need active treatment, or have not taken medication for some time, the diagnosis still matters,” says the company’s chief growth officer, Simon McCulloch.
Some companies also require diabetes and asthma to be declared.
Obesity and weight-loss jabs
However, since these medications are commonly prescribed to patients with a high body mass index (BMI) or a specific health condition – such as type 2 diabetes – many travellers will need to declare them.
If prescription medicine is taken without a doctor’s approval, this could void your cover or cause problems if you need to make a claim.
“The golden rule is simple: if in the past two years you have been diagnosed, prescribed treatment or sought professional help, whether that is through medication or talking therapies, it should be declared,” says McCulloch.
The cost of claims
The biggest cost that travel insurance is designed to cover is for emergency medical treatment abroad – and the costs can be prohibitive.
Although the UK’s free Global Health Insurance Card gives access to state healthcare in the European Economic Area and some other countries on the same basis as residents, it does not cover repatriation or other expenses.
Insurers routinely check NHS records if a claim is made. If an undisclosed condition comes to light, it may invalidate the policy.
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