Complete Guide to Health Declarations and Travel Insurance

Planning your next trip and searching for the best travel insurance? Understanding the health declaration process is essential to ensure you’re fully covered. In this guide, we’ll explain how it works and why it’s crucial for getting the right insurance for your travels.

A health declaration is a questionnaire that travel insurance providers may require based on factors like your age or the length of your trip. This declaration helps insurers assess health risks and determine your insurance premium accordingly. 

Filling out the health declaration is simple and can be done through our online quote tool. Once you request a quote, you’ll be guided through a series of health-related questions to help us customize your coverage.

Providing accurate information on your health declaration is crucial to ensure your travel insurance policy is valid. Here’s how this benefits you: 

• Potentially Lower Premiums

 
The cost of travel insurance is influenced by factors like your health, age, and the duration of your trip. If you’re assessed as low risk based on your health declaration, you may qualify for lower premiums. On the other hand, higher health risks may increase your premium. The key is providing precise details to get the right coverage at the right price.
 

• Prepared for the Unexpected

Travel insurance prepares you for unforeseen events. Whether it’s a medical emergency, a trip interruption, or lost baggage, having the appropriate coverage can save you from unexpected costs. Your policy may cover medical treatments, cancellations, or even mishaps like delayed or damaged luggage, helping you travel with confidence.
 

• Coverage for Pre-Existing Conditions 

A pre-existing condition refers to any medical issue you’ve experienced before your departure. Depending on its stability—whether it’s under control or requires ongoing treatment—this condition may be covered by your travel insurance. 

Insurers usually require a stability period, which can range from three to six months, during which your condition must remain unchanged for coverage to apply. However, if your condition doesn’t meet this requirement, you can still benefit from travel insurance for other issues unrelated to your pre-existing condition. 

For more details on how pre-existing conditions may affect your coverage, read our article.
 

• Tailored Coverage for Your Situation

If you have a pre-existing condition, you might consider the Option: Reduced Stability Period, which shortens the required stability period from six months to three months. This can provide coverage for your pre-existing condition sooner. Are you interested in learning more about how this option can benefit you? Contact our team today to discuss your specific needs and get a personalized insurance plan tailored to your health situation.