Can I get a travel insurance policy which is valid for NON-MEDICAL claims, despite undeclared medical conditions?

2/1/2023 9:13:33 PM

The product you are looking for is called Cancellation Insurance. A typical product covers you in the case that you have to cancel a trip due to unforeseen circumstances, or for something like luggage theft. Medical issues would be a valid reason for cancellation. But the payout for cancellation is limited to the value of the trip. It will not cover any medical expenses.

For this reason it is usually possible to find a policy that will cover you for cancellations without asking too many medical questions. I’ve done this in the past, and received a refund when I had to cancel due to an illness in the family. Even if they do ask you about your medical history I would not expect a serious price increase, because the insurer’s liability is limited to the cost of the trip.

Having answered the question I do have to tell you that I very, very strongly recommend you not to take a trip if you do not have medical insurance coverage. If you can’t afford the medical insurance, stay home. The cost of a serious illness while abroad can easily bankrupt you. Having to sell your house to pay medical bills is a very bad way to end a trip. Also many countries and many companies will require you to have medical insurance.

In answer to your other question, if you lied on an insurance application form then the insurance company are going to argue that this invalidates the entire insurance, whether or not the claim is related to illness. A doctor friend of mine says he routinely gets requests for complete details of his patients medical records from doctors treating his patients overseas, and that this is almost always because the insurance company paying for the treatment is looking for reasons to deny an insurance claim, by finding some condition they did not declare, whether it is relevant to the claim reason or not. Googling will turn you up a big list of horror stories where this has happened.

Credit:stackoverflow.com‘

About me

Hello,My name is Aparna Patel,I’m a Travel Blogger and Photographer who travel the world full-time with my hubby.I like to share my travel experience.

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