Why Is It Important to Declare Medical Conditions?
When insurers calculate your travel insurance premium, they consider your destination, trip length, and medical background. Declaring existing or recent health conditions allows your insurer to assess your risk accurately.
If you don’t disclose a relevant condition, it could invalidate your policy – meaning you might not be covered if you need medical treatment overseas. Being upfront ensures you get the protection you expect.
What Counts as a Medical Condition?
You should declare all current and past medical conditions, particularly if you:
Have seen a doctor or specialist for the condition
Are taking medication
Have had surgery, tests, or treatment within the past two years
Common examples include asthma, diabetes, heart problems, high blood pressure, high cholesterol, or any type of cancer diagnosis. Even if a condition seems minor or well managed, it’s best to declare it – our friendly contact centre team will help assess whether it affects your policy.
What Happens If You Don’t Declare a Condition?
Failing to disclose a medical condition could mean:
Your insurer refuses a claim
Parts of your policy become void
You are left to pay for medical treatment abroad
Even if your claim isn’t directly related to your undeclared condition, the insurer may still decline it. Being honest from the start avoids costly complications later.
How Do You Prepare a Medical Declaration?
Before you get a quote, it helps to have your medical details ready. You can:
List any conditions you’ve had in the last two years
Note your medications and dosages
Record any hospital visits, tests or treatments
Speak to your GP if you’re unsure what counts as relevant
Having this information prepared ensures a smoother, faster quote process and accurate cover.
Do You Need to Update Your Insurer Before You Travel?
Yes – if your health changes after buying your policy, you must let your insurer know. For example, if you’re diagnosed with something new, start new medication, or have a hospital visit before travelling, your policy may need updating.
At Freedom Travel Insurance, we’ll review your details and adjust your cover if necessary, so you stay protected.
What’s the Benefit of Full Disclosure?
Being transparent about your medical history ensures that your cover truly works for you. It means:
You can travel with confidence
Claims are processed smoothly
You’re protected if anything unexpected happens abroad
We’re here to make declaring medical conditions simple, confidential, and stress-free. With honest information, you can relax knowing you’re fully covered wherever your journey takes you.
Safe travels,
Rosie at Freedom ✈️
