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Travel insurance and a pre existing condition

  • 30-05-2019 7:29pm
    #1
    bingbong500
    Registered Users, Registered Users 2 Posts: 113 ✭✭


    Ok so say you are buying family travel insurance for a single trip in Europe, and one member has a long term condition. Every year you declare this condition and pay a large extra premium.

    But what if that condition has been completely under control for many years and never causes any issues? I understand that if it wasn't declared then anything related to that condition would not be covered, but my question really is is that person covered for an accident or illness not connected to that condition?
    Say if someone didn't declare diabetes for example but fell on steps and broke a leg, would they be covered for the broken leg or not?


Comments

  • #2
    AngryLips
    Registered Users, Registered Users 2 Posts: 2,790 ✭✭✭AngryLips


    Well, if you buy regular travel insurance then the person in question would still be covered for all circumstances. It's only if the exceptional circumstance leading to a claim is as a result of their pre-existing condition that the claim wouldn't be paid. So if the pre-existing condition is under control and of no prospect of causing issues while away then I wouldn't worry about it (unless the trip is to USA where medical costs are crazy). However, VHI travel insurance covers pre-existing condition, all you need is a letter from the doctor confirming the person is fit to travel beforehand.


  • #3
    coylemj
    Registered Users, Registered Users 2 Posts: 25,624 ✭✭✭✭coylemj


    AngryLips wrote: »
    It's only if the exceptional circumstance leading to a claim is as a result of their pre-existing condition that the claim wouldn't be paid.

    I don't think that is the case. I've seen any number of cases reported in the press where an insurance company denied a claim when they discovered a pre-existing condition, even if it couldn't have been the cause of the incident which gave rise to the claim.

    An inurance company can void a policy if the insured person did not make a full disclosure. That's their exit hatch.


  • #4
    bingbong500
    Registered Users, Registered Users 2 Posts: 113 ✭✭bingbong500


    coylemj wrote: »
    I don't think that is the case. I've seen any number of cases reported in the press where an insurance company denied a claim when they discovered a pre-existing condition, even if it couldn't have been the cause of the incident which gave rise to the claim.

    This is the concerning part. I'm concerned that even if the claim was clearly nothing at all to do with the condition they would not pay out. It's probably in the many many pages of small print.....


  • #5
    AngryLips
    Registered Users, Registered Users 2 Posts: 2,790 ✭✭✭AngryLips


    coylemj wrote: »
    I don't think that is the case. I've seen any number of cases reported in the press where an insurance company denied a claim when they discovered a pre-existing condition, even if it couldn't have been the cause of the claim.


    That would be a breach of the regulations in place for consumer insurance products in Ireland, you can query it with prospective insurance companies yourself to confirm that.


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