Medical condition hitting travel insurance?
A reader from Fife is unsure whether to tell his insurer about his high blood pressure when organising travel insurance.
Our team of experts at insurance company LV= offers a helping hand.
John from Inverkeithing asks:
I'm trying to get travel insurance for over 65s and I'm stumped with pre-medical conditions as I only take one tablet for high blood pressure.
Does that mean I've got to declare that when asked if
I've any medical symptoms when I apply or do I just not tell them?
The team at LV= responds:
Some insurers don't offer cover for people with medical conditions, even a condition that is quite minor.
However you should tell your insurer and ensure you have cover with a company that does offer protection, as otherwise you may find your policy is invalid. This could mean that if something happened whilst you were abroad - related or even unrelated - you wouldn't be covered.
The good news is that some insurers do offer cover and if you shop around you should be able to get a good deal. Some insurers will want to do a short medical questionnaire on the telephone, however with some insurers, you can simply get a quote and buy the policy online.
An example LV= price for two weeks holiday in Spain, for someone aged 65 with high blood pressure, living in Fife would cost around £22 for the whole trip.
If you have a question for LV=, go to the myfinances.co.uk Ask the Expert section.
For more information on the issues discussed here, go to LV=.
Liverpool Victoria Insurance Company Limited is authorised and regulated by the Financial Services Authority and is a member of the Association of British Insurers (ABI).
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