To make sure your Travel Insurance policy gives you maximum coverage, it is vital that you understand the exclusions relating to pre-existing medical conditions.

It is also important that people aged 55 or over correctly answer the Eligibility for Insurance questionnaire. If you fail to declare an illness, you risk having your claim for medical expenses incurred while travelling declined.

Even if suffering from an illness, you can be perfectly eligible for travel insurance if the information you provide about your state of health satisfies the insurer's criteria. Furthermore, even if you are not covered for an illness because your health is unstable, you can still enjoy excellent coverage for accidents or any other illnesses that might occur during your trip.

Table of Exclusions

Exclusions for pre-existing medical conditions apply to both the health insurance and cancellation insurance coverage for each person insured, regardless of age, for each trip and for each pre-existing medical condition.

The table of exclusions forms part of the insurance policy. It determines how a pre-existing medical condition may affect the policy's coverage or the benefits payable under a claim.

For example, Travel Insurance will not cover those aged 54 or under for medical conditions relating to an illness or injury for which they have consulted a physician, taken medication, been hospitalized, received treatment or been advised to do so by a physician, during the six months preceding the effective date of coverage, if their state of health is not stable. Read your coverage provisions carefully.

Evidence of Insurability Questionnaire

The Evidence of Insurability questionnaire must generally be completed by applicants aged 55 or over.

If you are uncertain about how to answer any of the questions, you should contact your doctor. In any case, all health information is checked with your doctor whenever a claim is submitted.