Potential insurance providers will want to know about your medical history. They’ll ask for quite detailed information, so be prepared to answer specific questions about your health.
If you have a pre-existing medical condition, you’ll be asked how severe it is (or was when you last experienced symptoms) and what medication you took.
It might seem intrusive, but this information helps insurance providers build up a picture of what the likelihood is of you needing medical aid while you’re on holiday. Once you’ve disclosed all the required information, an insurance provider may decide to:
- Offer cover on standard terms in spite of your condition
- Refuse to cover the pre-existing condition, but offer to insure you on standard terms for any new issues that may arise while on holiday
- Offer cover with other restrictions or special terms
- Offer cover with a higher excess
- Offer cover that includes the pre-existing condition, but increase the normal premium, perhaps by a significant amount
- Decline your application outright
If you can’t find an insurance provider, then it’s worth contacting a charity connected to your condition as they may be able to direct you to one that does.