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What happens if I don’t declare my medical conditions?

Failing to inform your insurer of any pre-existing medical conditions means that you would not be covered in the event of a claim related to said medical condition and in some cases, your policy may be considered null and void. In the event that a claim arises, you would be expected to cover the costs of any associated expenses.

To avoid this, you should make sure that all of your medical conditions are disclosed before purchasing your policy. This applies to all travellers with a pre-existing medical condition.

Related FAQs

  1. Do you cover pre-existing medical conditions?
  2. What is a pre-existing medical condition?
  3. What is a medical screening?
  4. What happens if I'm on a waiting list?
  5. Do I need to let you know if my health has changed since purchase?
  6. Can I exclude some, or all, of my medical conditions?
  7. What happens if I don't declare my medical conditions?
  8. Can I get insurance if I’m pregnant?
  9. Will you cover me if I'm going abroad for treatment/surgery?

Need help?

UK Customer Services

0330 880 3600*

Opening hours:
Monday - Friday
8:30am - 6.00pm
Saturday
8:30am - 4.00pm

Emergency Medical Assistance

Direct Travel / AllSafe (Allianz)
01444 465 553


Fit2Travel / Clear4Travel / Direct2Insure (White Horse)
01243 621 501


Goodtogo (Red Sands)
01444 465 553

*Calls are recorded and may be monitored.