It is essential to declare all significant medical conditions, including AD, regardless of whether they are listed on the insurer’s pre-existing conditions page. The absence of AD from this list does not imply that it should not be declared. Instead, it often indicates conditions that are not automatically covered without further assessment. Not declaring such conditions can lead to complications, especially if medical care is needed while abroad, potentially resulting in substantial costs and a detailed investigation into any undeclared conditions.
Furthermore, when applying for insurance, always provide complete and accurate information about your medical history. The underwriting process is tailored to assess individual risks based on the information provided. If AD or any other serious condition is relevant, it should be disclosed to ensure appropriate cover. Insurers are equipped to handle a wide array of medical conditions, and full disclosure allows them to offer the most accurate cover terms. If there is any uncertainty about what to declare, it is advisable to consult with a travel insurance specialist who can guide you through the process and help determine the best approach for cover. This ensures that all significant health issues are appropriately covered and can avoid potential issues with claims.