Do you have to declare arthritis on travel insurance?
It’s important you declare arthritis and any other pre-existing medical condition you may have, when taking out a policy with us. It’s important that all pre-existing conditions are declared on your policy. This will avoid large medical bills if you need treatment in another country.
What medical conditions need declaring for travel insurance?
Some of the most commonly declared pre-existing medical conditions include:
- Chronic illness, including cancer.
- Crohn’s disease.
- Circulatory problems, including stroke and high blood pressure.
- Heart conditions.
- Respiratory issues, including asthma.
- Cystic fibrosis.
- Back pain or joint problems.
Can I exclude a medical condition from travel insurance?
You will have to go through the process of declaring the Medical Conditions and then you can exclude them from the policy.
Do you have to declare statins on holiday insurance?
The short answer is, yes! Although high cholesterol is often seen as a minor condition, it’s important to declare it on your travel insurance policy in case of any linked conditions. That way, if something happens to you whilst you’re away, you can rest assured with peace of mind that it is covered.
Do you have to declare high blood pressure on travel insurance?
Should I declare my high blood pressure? The quick answer to this question is: yes! You should always tell your insurer about your high blood pressure, even if it’s being well-managed through medication. High blood pressure is considered to be a ‘pre-existing medical condition’ by insurers.
Do you have to declare anxiety on travel insurance?
Any diagnosed medical condition, being physical or psychological (such as personality disorders, anxiety or depression), will need to be declared on the policy to ensure that you are fully covered when you travel.
How long does a pre-existing condition last?
A health condition could be considered pre-existing if you received treatment or medical advice for that issue from six months to five years before the insurance coverage took effect. The time varied by state.
How long do you have to declare medical conditions for travel insurance?
If you’re currently being treated or taking medication for a condition, you’ll always need to disclose it. A number of pre-existing medical conditions must also be revealed if they occurred within a certain time frame, normally two years.
Can I be turned down for a pre-existing condition?
Under current law, health insurance companies can’t refuse to cover you or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts. These rules went into effect for plan years beginning on or after January 1, 2014.
Do travel insurance companies have access to medical records?
When you buy a travel insurance policy, it’s normal procedure for your insurance provider to ask you for medical information. … Usually, a provider won’t ask to see your medical records, but some might ask to check your records to make sure the information you’ve supplied in your application is accurate.
Can I get travel insurance with an undiagnosed condition?
Yes, you should wait for a diagnosis before getting a medical travel insurance quote. We’re unable to provide medical travel insurance cover unless all conditions/symptoms are diagnosed. If you’re waiting for a diagnosis, then please come back to us once you have one.
Does being on statins affect travel insurance?
Taking statins shouldn’t increase your travel insurance premium, but if you find it does and you’re caught in negotiations over price, take a step back to compare your options.
Can I fly on statins?
Every statin listed here is on the FAA Accepted Medications Database as approved for use while flying. The statin studies have shown over these many years that the lower the LDL the better. The gold standard goal LDL level has gone from 160, to 100, to 70, and now it is at 50 for high-risk patients.
Can you get travel insurance the day before?
In most cases, you can still buy last-minute travel insurance right up until the day you leave. So even if it’s departure day and you’re not insured, it’s not too late to get cover. … This is because for some insurers, your trip begins as soon as you leave your home, and ends once you’ve returned.