In general, most travel insurance companies will consider you to have a pre-existing condition if you have a diagnosed illness or medical concern that has not been “stable” within a defined look-back period.
What counts as pre-existing condition?
Preexisting condition is a term that refers to
a known illness, injury, or health condition that existed before someone enrolls in or begins receiving health or life insurance
. This includes illnesses such as heart disease, diabetes, cancer, and asthma.
What medical conditions do you have to declare?
Medical conditions you need to declare for travel insurance quotes include
respiratory conditions, heart, liver, kidney, brain or circulatory disease or damage, diabetes, strokes or central nervous system disorders and terminal illnesses
.
What pre-existing conditions will not be covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like
asthma, diabetes, or cancer, as well as pregnancy
. They cannot limit benefits for that condition either.
Is anxiety a pre-existing condition for travel insurance?
Standard travel insurance tends to exclude cover for pre-existing medical conditions, and this can include anxiety
. If you have been diagnosed with any anxiety disorder, you will need to disclose it when applying for travel insurance to ensure that you are covered for your trip.
Is migraine a pre-existing condition for travel insurance?
It is crucial that you declare all medical conditions, including migraine, before going on holiday so that you do not invalidate any claims
. AllClear provides medical travel insurance for over 1300 medical conditions and have been doing so since 2000.
Do I have to tell my car insurance about medical condition?
Do I need to disclose my medical condition?
In most cases, you’ll need to disclose your medical condition to both your car insurance provider and the DVLA
. The exception is if you’re deaf. There are currently no restrictions on driving a car, van or motorcycle with a hearing impairment.
What medical conditions must be declared to DVLA?
- diabetes or taking insulin.
- syncope (fainting)
- heart conditions (including atrial fibrillation and pacemakers)
- sleep apnoea.
- epilepsy.
- strokes.
- glaucoma.
Can I claim on travel insurance for illness?
Yes, you can
. The aim of travel insurance is to cover the cost of the unforeseen, such as illness and injury or theft of your personal possessions while you’re on holiday. It’s also designed to cover you if you have to cancel your trip before you go, or if you need to return early due to an emergency.
What medical conditions affect travel insurance?
- Chronic illness, including cancer.
- Crohn’s disease.
- Circulatory problems, including stroke and high blood pressure.
- Heart conditions.
- Respiratory issues, including asthma.
- Diabetes.
- Cystic fibrosis.
- Back pain or joint problems.
Can insurance deny pre-existing conditions?
Yes. Under the Affordable Care Act,
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.
Is High Cholesterol a pre-existing medical condition?
The left-leaning Center for American Progress notes that
high blood pressure, behavioral health disorders, high cholesterol, asthma and chronic lung disease, and osteoarthritis and other joint disorders are the most common types of pre-existing conditions
.
Is arthritis considered a pre-existing condition?
Arthritis is generally considered pre-existing medical condition
. This doesn’t necessarily mean you can’t get travel insurance, but you do need to disclose your condition before you book your cover. With arthritis, you’ll need to declare your specific type of arthritis whether it’s osteo, rheumatoid, or psoriatic.
Does NHS cover pre-existing conditions?
Across categories,
pre-existing conditions are not covered
and premiums are risk rated for age, risk behaviours and other factors. Plans are renewable annually, but there is generally no new risk rating other than for age (though prices will rise to reflect medical inflation).
What is a pre-existing medical condition UK?
A pre-existing condition is
a medical illness, injury, or a condition for which you have experienced symptoms and received medicine, consultation, or treatment before your health insurance policy’s official start date
.
Do you have to declare mental illness on travel insurance?
Do I need to declare my mental illness when applying for travel insurance?
Yes
. By telling us about your mental health condition(s), you will enable us to create a personalised travel insurance policy for your specific mental health needs.
Do I have to declare depression 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.
Does depression count as a pre-existing condition?
In health insurance terms,
depression is a pre-existing condition if you have seen a provider for it or been diagnosed with it during a specified period of time before you sign up for a new health plan
.
Do I need to declare autism on travel insurance?
Do I need to declare if I have autism when buying travel insurance?
Yes
. You should always be open and honest with your insurer about any pre-existing medical conditions you or anyone you are seeking to insure has, and autism is no exception.
Do I need to declare fibromyalgia on travel insurance?
When living with fibromyalgia,
it’s important to declare it
, and any other pre-existing medical conditions you may have on your travel insurance policy. That way, if the worst happens when you’re travelling with fibromyalgia, you’ve got our support.
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
.
What happens if I don’t report a medical condition to DVLA?
You need to tell DVLA about some medical conditions as they can affect your driving.
You can be fined up to £1,000
if you do not tell DVLA about a medical condition that affects your driving. You must give up your licence if any of the following are true: your doctor tells you to stop driving for 3 months or more.
Does Parkinson’s affect car insurance?
Do I have to tell my insurance company that I have Parkinson’s? Yes.
It is very important to let your insurance company know of any change in your health that may affect your ability to drive
. It is a criminal offence to make a false statement or to withhold information in order to get motor insurance.
Will my car insurance go up if I have a medical condition?
A car insurance quote is determined by how risky you are to insure. A medical condition, such as epilepsy, a visual impairment or diabetes, could make you more of a risk to insure and
your premium could increase
.
Do doctors tell DVLA?
The driver is legally responsible for telling the DVLA or DVA about any such condition or treatment
. Doctors should therefore alert patients to conditions and treatments that might affect their ability to drive and remind them of their duty to tell the appropriate agency.
Do you have to tell the DVLA if you are on medication?
Drivers Vehicle Licensing Agency (DVLA)
If you have a driving licence you must tell the DVLA if your medical condition or disability has got worse since you first got your licence, you develop a new medical condition or disability or you have a ‘notifiable’ medical condition.
Do DVLA check medical records?
During the standard DVLA check-up, your doctor might not have access to your full medical history
. So, it’s up to you to be honest and upfront about anything in your past which might affect your ability to do your job properly. Once your check-up is complete, you need to give a declaration of consent.
