Declaring a ‘pre-existing condition’ — what exactly does your travel insurer need to know?

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The Rip Off Britain team is ready to tackle the issues you feel affect you the most.

For many, it’s an online tick-box when taking out an insurance policy that we don’t give very much thought to. But if you need medical assistance on holiday, not answering that question correctly could result in your insurer rejecting a travel insurance claim outright.

“They were shaving my hair. I remember being in a corner, just saying ‘leave us alone’, terrified,” Lisa told Rip Off Britain. “And after that I can’t really remember anything.” The hospital discharged Lisa after her family came up with €40,000 of the funds, with the remainder covered later by fundraising efforts.

But according to him, simply requesting information about a customer’s ‘pre-existing conditions’ is vague and unfair. But according to Martyn, each one would be considered a pre-existing condition by an insurance company.Both physical and mental conditions are taken into account — including cancer, diabetes, epilepsy, anxiety and depression

 

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