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New Medical Conditions

What you should do


What happens if you
ve already purchased your travel insurance (because you always get travel insurance when you book a trip, we hope...?) and are subsequently diagnosed with a new or different condition? What about if your regular medications are changed? Does this affect your travel insurance? 

It most certainly can.

Full disclosure of pre-existing medical conditions is a key part of your travel insurance contract, and by not disclosing something, you can invalidate the policy, leaving you responsible for the payment of expensive medical bills.

A pre-existing medical condition is any condition, illness or disease that you have knowledge of before your departure and that includes symptoms, so please dont ignore those just because you havent had a final diagnosis yet. If there are test results pending, or if youve seen a healthcare professional about anything and are waiting for a follow-up or referral to a specialist, you absolutely must include this in the information that you provide.

Even if you receive a new diagnosis or visit a doctor with a new ailment the day before your departure or the GP changes your medications, its essential to contact your travel insurance provider and update your cover. Depending on your policy and the condition, this may not require an additional payment, and even if it does, putting yourself at risk simply isnt worth saving a few quid.


Making sure you
re taken care of

Advising us of new conditions will enable us to provide the best possible care in case you are injured or take ill. This information can be invaluable to the doctors treating you wherever you are and even more so if youre on a cruise without access to full diagnostic facilities.

If were aware that youve recently experienced heart palpitations, for example, we can advise the team taking care of you on board a cruise to look out for cardio- and hypertension-related issues. They may very well provide different treatment or medication with this knowledge, and it could even save your life.

On longer cruises, during which theres very limited access to the healthcare youre used to, even the smallest ailments can become a big problem if theyre not treated correctly, and can ruin a large part of that cruise.


Costly non
-disclosure

Were sure you know by now because we remind you so often, but please remember that leaving out a pre- existing medical condition when you purchase travel insurance can cost you a lot of money.

Standard treatments that are provided by the NHS at home can be expensive or simply unavailable in a foreign country. If you tell us about these conditions before you depart, we can ensure that in case of an accident or illness, youre taken to a facility thats equipped to treat you properly, or that youre brought back to the UK if the treatment you need isnt available.

Either of those options can run into the thousands, and if your cover is invalidated because of non-disclosure of the relevant condition, you would be faced with astronomical bills on your recovery. Some foreign hospitals may even require payment up front before they treat you.


What to do

If youre diagnosed or being tested for a new medical condition, contact the company or broker from whom you purchased the travel insurance there should be contact details on your policy wording document.
- Dont wait. Make sure you advise them as soon as possible.
- Ask your healthcare professional for a letter with details of the diagnosis, medication prescribed, and any other important information such as activity restrictions. - If you email or fax the letter and/or your updated information, call as well to ensure it has been received.
- Also ensure that you receive updated documents such as a revised Medical Declaration,
- Medical Letter and Policy Schedule, which include the new condition details.
- Keep these documents with you when you travel, and save important information such as emergency contact numbers to your mobile phone.

Last but not least, take care when you travel
. New medical conditions can be unpredictable and require a little more attention. Therell be new medication to get used to, maybe some adjustments to plans that included more strenuous exercise, or perhaps some new symptoms or discomfort to adjust to, so look after yourself, relax, and make your holiday an enjoyable one.