People buying travel insurance should discuss their medical history with the provider, according to an expert.
People buying travel insurance must outline their medical history before purchasing a policy.
That is the advice from Stewart Ricoh, general manager of travel insurance at Staysure.co.uk, who explained deliberately withholding information could prove fraudulent and so making the cover invalid in the event of a claim.
"It is ludicrous to buy an insurance policy knowing that, in the event of a claim, you can't rely on it," he remarked.
An accurate and true representation of previous or existing conditions is vital to ensure a sufficient level of protection is provided and additional costs will not be incurred in the event of an incident requiring treatment.
Mr Ricoh went on to say the cost of a hospital stay or repatriation can spiral to tens of thousands of pounds and if an insurance provider cannot pay out due to the aforementioned reasons, the amount will have to be paid by the individual.
The advice could be particularly poignant for people over the age of 50, as Saga Holidays has discovered people in this demographic see their later years as the ideal time to jet off abroad.
Some 88 per cent of those asked saw their years after 50 as the beginning of a new chapter in their life, while 26 per cent of the women surveyed wanted to get off the beaten track while in a foreign country.
What's more, the Age UK charity reports more consumers over the age of 55 are buying travel insurance, which could suggest they are taking extra breaks and should discuss their medial history with their provider.
By Anne Jones
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