If you don’t declare your pre-existing medical conditions to your travel insurance provider, you risk being left out-of-pocket should the unexpected occur.
At Cover-More, claims which in any way relate to, or are exacerbated by, an existing medical condition or related new infections are specifically excluded from our travel insurance policies unless your EMC is approved by us prior to travel and where required, any additional premium is paid.
If you choose to declare some conditions and not others, or choose not to declare any conditions, you run the risk of a claim being denied by us. This means if you need to cancel your trip there would not be any cover for any prepaid travel costs that you can’t get a refund on, or you would have to pay the cost of your medical treatment and/or other associated costs if illness or a mishap occurred while travelling.