Full Disclosure of Medical History When Buying Travel Insurance
When purchasing cheap family travel insurance, make sure you disclose even the smallest existing medical condition or it could affect any claim.
There are some people who may be tempted to veer towards a 'sin of omission' when purchasing a cheap family travel insurance policy. They may gloss over their own or a member of the family's medical history, conveniently forgetting a ‘little’ heart problem here or a persistent stomach infection there. While pretending that you’re all in the peak of health may get you a lower premium, it can backfire in the event of a claim if your insurance company rejects a pay out because of an undisclosed medical history.
Insurance is Never ‘Too Expensive’ When it Comes to Your Health
Let's set this in perspective with a fact: statistics indicate that Britons often spend double the value of a travel insurance policy on sweets and magazines at the airport! Think about that for a moment: if you have enough spare money to spend on a chocolate bar and magazines, why not spend that money on ensuring your family is completely and honestly covered? The good news is that even cheap family travel insurance coverage can be adequate for most needs; but you do have to be completely upfront with all your medical conditions, even the most benign allergy. It might help to stop thinking of insurance as an expense, but rather as a wise investment to ensure a hassle-free holiday experience with your family.
No Medical Condition is ‘Too Insignificant’
There are those who fall into the trap of failing to mention a small medical condition suffered in the distant past. But buying cover, even cheap family travel insurance, requires that you answer all questions posed by the insurance company. Moreover, not only those illnesses contracted in the past must be disclosed, but also any current ones. So, if you happen to contract an illness in the time between when you bought the insurance and travel, you must contact the company to advise them, or you'll risk a rejection of your claim should the need arise.
Not all insurers are the same; some will reject you outright if you happen to have a pre-existing medical condition they think is too risky, while others will require you to take out ‘special coverage’ and pay higher premiums. But there are many reputable travel insurance companies that can still offer cheap family travel insurance to those with pre-existing medical conditions - you just have to do your research. Check out the websites that allow you to make a comprehensive comparison of different policies available, and then choose one that not only accepts your medical condition, but also offers a reasonably priced premium.
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ABOUT THE AUTHOR
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including cheap family travel insurance, annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.