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Do travel insurance providers check medical records?

Do travel insurance providers check medical records?

When you buy travel insurance, you’ll need to answer questions about any current or pre-existing medical conditions you may have.

If you don’t disclose relevant medical information, your policy could be invalidated in the event of a claim.

But does this mean that travel insurance providers have an automatic right to check your medical records?

Chris King
From the Home team
minute read
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Posted 18 OCTOBER 2019

What do medical records have to do with travel insurance?

If you have a medical condition, your travel insurance provider might want to evaluate how likely you are to need medical care while you’re away. Their experts will want to weigh up the likelihood that you might make a claim relating to your condition, which they’ll have to pay out.


On 7 September 2020, the Foreign Commonwealth and Development Office (FCDO) updated the list of countries that are exempt from its ongoing advice against all non-essential international travel.

If you choose to travel overseas to a destination where the FCDO is advising against non-essential travel at the time of your departure, then your insurance policy will be invalid, and any claim likely to be rejected.

For domestic travel, please check the local public health rules for the destination you wish to travel to within the United Kingdom.

For more information, please see our coronavirus and travel insurance page.

When might a travel insurance provider ask to see medical records? 

When you buy a travel insurance policy, it’s normal procedure for your insurance provider to ask you for medical information. The information supplied by you will be used by underwriters to work out the level of risk.

To make sure you’re given the right level of cover or to decide whether they’re happy to insure you or process a claim, your insurance provider may require more detailed medical information from your GP.

Usually, a provider won’t ask to see your medical records, but some might ask to check your records to make sure the information you’ve supplied in your application is accurate.

It’s worth knowing that complaints about how pre-existing conditions are treated by insurance providers are a “recurring theme”, according to the Financial Ombudsman.

If you make a claim for the cancellation of a trip because of the death of a close relative, insurance providers might ask to see the relative’s medical records. This will help them see what was known about your relative’s condition; whether or not it should have been known; how likely it was to deteriorate and in what time frame.

Using this information, the insurance provider – and the Ombudsman in the case of a subsequent complaint – will be able to see whether the right information was declared when the policy was bought and whether the customer was treated fairly.

Access to your medical records

Insurance providers, including travel insurance providers, cannot access your medical records or apply for a medical report from your GP without your consent. Your medical information is legally protected under the Access to Medical Reports Act 1988 (AMRA).

Your insurance provider can request access to your medical records if they feel it’s necessary. Under the AMRA act:

  • consent must be given by you in writing.
  • your GP cannot supply a medical report to your insurance provider without prior notification and consent from you.
  • doctors are not required to release all aspects of a patient’s medical history, just those that are relevant (with your consent). However, they must not provide false or misleading information.
  • you can ask your GP to amend any aspects of the medical report that you don’t agree with. If they refuse for any reason, you’re entitled to include a statement of your objections that will be attached to the report.
  • you’re also entitled to see the report before it’s sent to your insurance provider. You’ll have 21 days to view and approve it before it can be sent. You can also see the report at any time up to six months after it’s been supplied.

If you deny consent for your insurance provider to check your medical records

If you refuse consent for an insurance provider to check your medical records when applying for travel or any other type of insurance, the insurance provider could refuse to insure you.

If you make a claim on a current insurance policy but deny consent to your medical records, your provider might not have the information they need to successfully process your claim. This could mean that your claim is denied and your policy may no longer be valid.

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