Dad dot info
Free online course for separated parents
Forum - Ask questions. Get answers.
Free online course for separated parents | Lifestyle | Travel | News & Deals | Voided travel insurance – and how to avoid it

Voided travel insurance – and how to avoid it

Everyone knows just how important it is to have travel insurance in place before you head off on your holidays, but far fewer of us know how easy it can be to unwittingly invalidate our cover


The situation has arisen because many insurers are now imposing harsher rules regarding pre-existing medical conditions and the ways in which these can lead to insurance not being offered, premiums being raised and claims being turned down. But just as the rules are being tightened, so too are insurers doing their best to spell out the changes that are being made. Many firms have since declared what cover you need to ensure that when applying for insurance they offer the best cover they possibly can.

Hopefully what follows will give you a clearer picture of the pitfalls, and how you can avoid them…

Tell the truth

It’s a widely accepted fact that all kinds of insurance, not just travel cover, has restrictions on pre-existing conditions but many insurers now want far more detailed information. For example a number now demand details of all recent visits to the doctor, even if all the person is suffering from is a common cold. Failure to provide this information can lead to the insurance being voided.

If you have an annual policy you should also be aware of your responsibility to let your insurer know about any conditions that arise after the policy has come into force. Depending on its nature they may well raise the premium but, by not telling them, there’s a risk that it could invalidate the policy completely.

Don’t just read the small print

And, unfortunately, just relying on the fact that a policy’s terms and conditions don’t specifically exclude cover for pre-existing illnesses it doesn’t mean you’re insured. That’s because all usually require you to confirm that you’re healthy and to actually declare pre-existing conditions.

Follow medical advice

Many policies go even further than this and will only remain valid if you have followed medical advice for travel to a particular country, for example by having the recommended inoculations for that part of the world. Not surprisingly, travelling against medical advice will also void most insurance.

If this all sounds very daunting and worrying, it needn’t be. Some insurers do have a more open attitude to pre-existing conditions, although they are very much in the minority. But one thing all insurers do have in common is that they want to offer cover if they possibly can. The best way of ensuring that theirs is right for you is being open and honest with them from the outset. Then, if it does ever come to making a claim, there should be no nasty surprises lying in wait for you.

Related entries

Go on an Incredibles 2 Holiday in Spain

Go on an Incredibles 2 Holiday in Spain

If your family's a fan of new movie, Incredibles 2, you'll love this Spanish escape that's fit for superheroes big and small...  Just in time for the summer holiday, Incredibles 2 has zoomed into cinemas to save the (very) occasional rainy day. But at this...

Go on an Incredibles 2 Holiday in Spain

Five Ways To Secure Your Home While You’re On Holiday

Holidays are a time for relaxation, so the last thing you want to be doing is fretting about the security of your home while you’re away. Wasim Bux, Product Manager at home insurance provider iGO4, shares his top five tips for protecting your home while you’re away on...

Latest entries

Black Friday: don’t waste your cash

Black Friday: don’t waste your cash

It's tempting, isn't it? The promise of bargains, money saved and Christmas all wrapped up. However, once you look beyond the gloss and excitement of Black Friday, are the deals really worth it? Do I need it? Can I afford it? The first thing to consider when...

Thrifty Christmas- how to save money and shop early for deals

Thrifty Christmas- how to save money and shop early for deals

Cost of living crisis slashed your Christmas budget? Never fear. It's entirely possible to have an equally great Christmas for less cash. While you may feel like you don't want to let your children down with a naff present, there are ways to avoid splashing mega cash...

Pin It on Pinterest