The medical condition that can send travel insurance premiums soaring by more than 1,000%
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Traveller denied insurance over mental health conditions
- Research by Which? reveals that declaring certain medical conditions can inflate travel insurance premiums by over 1,000 per cent.
- A study comparing quotes from 12 insurers found that premiums for a traveller with bipolar and a personality disorder increased by an average of 715 per cent, and in one case by 1,159 per cent – from £38.48 to £484.52.
- Only two out of seven standard insurers were willing to provide the traveller with cover. All five of the companies specialising in cover for people with pre-existing medical conditions did offer to provide cover.
- Which? advises travelers to compare quotes from various providers, including specialists for pre-existing conditions, as prices vary significantly.
- While declaring medical conditions impacts the cost of insurance, failing to do so could invalidate the policy and lead to substantial medical bills.