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What You Need to Declare on your Travel Insurance

Posted on August 4, 2020 by Lucy Hancock
Senior couple leaving for holiday with luggage

If you live with a pre-existing medical condition, having the right travel insurance in place can give you peace of mind before setting off and while you’re on holiday.

By declaring your medical conditions on your policy, your travel insurance can protect you should you need to cancel your trip because of something related to your medical condition, or need medical treatment abroad.

We understand that when it comes to medical travel insurance, you want to get it right. We’ve put together this guide to cover the ins and outs of medical travel insurance, so you can feel confident in your travel insurance policy.

What are pre-existing medical conditions for travel insurance?

A pre-existing medical condition for travel insurance is any past or current medical condition where you’ve had any of the following in the last two years:

  • Symptoms
  • Treatment
  • Prescribed medication
  • Medical consultation
  • Investigation or follow-up

If you have had a cardiovascular or circulatory condition at any time before buying your cover or before any trip, (e.g a heart condition, hypertension, blood clots, raised cholesterol stroke, aneurysm, brain haemorrhage), it’s important you tell us about it.

What sort of medical conditions do you cover?

For travel insurance, you can choose to cover your pre-existing medical condition across all our policies. Some of the common medical conditions we cover include:

Do I need to declare any medical conditions I had over two years ago?

Sometimes it is important to tell us about your medical condition, even if it was over two years ago.
While your medical condition may be managed and doesn’t cause you any trouble, it may still be important to tell us about it.

If you’ve ever had either of the following, you’ll always need to declare it on your travel insurance:

  • A cardiovascular condition – including high blood pressure or cholesterol
  • Any heart condition

You’ll need to let us know if you’ve had any of the following in the past two years, relating to your medical condition:

  • Symptoms
  • Treatment/ medication
  • Investigation
  • Medical appointments
  • Follow-ups
  • Check-ups
  • Surgery

What is considered a terminal prognosis?

A terminal prognosis is when you’ve been given a life expectancy by your doctor or medical professional.

Is cosmetic surgery covered by travel insurance?

If you’ve had any type of surgery in the last two years, including cosmetic surgery, it’s important that you tell us about it.

Are you awaiting cosmetic surgery? Take a look at our awaiting surgery page to see what we can cover with travel insurance. If you’re seeking medical treatment or surgery abroad, we wouldn’t be able to cover you with travel insurance.

Can I take out travel insurance if I am currently being diagnosed, under referral, awaiting an operation or haven’t been discharged from outpatient care?

If you’re currently being diagnosed, under referral, awaiting an operation or haven’t yet been discharged, we still might be able to cover you.

As long as you are not travelling against the advice of a doctor or for a medical consultation or treatment, you may be able to get travel insurance.

Do I need to tell you about any changes to my health or medical conditions?

It’s important to let us know of any changes to your health or medical conditions, including a new diagnosis, so your policy covers you for everything you need it to before you set off. You can update your policy details on My Staysure, to avoid paying the admin fee you would be charged by calling us.

Adding a new medical condition to your policy may cost a bit extra, but means you’re covered if you had a medical emergency while you’re away, or before you go.

If you forget to tell us about any changes to your health, you may not be covered if you have a medical emergency and need to claim. If you’re undergoing diagnosis or investigation, your existing medical conditions can’t be covered until you receive your diagnosis, even if they were originally covered.

Lucy Hancock

by Lucy Hancock

Lucy Hancock is Staysure's Content Executive. As a specialist travel insurance provider, we aim to keep up-to-date with travel trends, all while offering tips on how to make the most of your holiday. Lucy travelled across Europe with Interrail in 2017, and her favourite destination was Budapest. She likes big books, big words and the colour yellow.