Health Declaration and Travel Insurance: Everything You Need to Know

Planning a trip and searching for the right travel insurance? Understanding the health declaration process is a key part of ensuring you get the right coverage for your trip. We’re here to walk you through the steps so you can travel with confidence. Below, we answer some common questions about the health declaration.

A health declaration is a questionnaire that you may be required to complete when purchasing travel insurance, depending on factors like your age and the duration of your trip. It helps the insurer assess any health-related risks and calculate your travel insurance premium accordingly. 

Completing the health declaration is simple-just use our online quote tool. Once you submit a quote request, you’ll be prompted to answer a series of health-related questions. 

Providing truthful information on your health declaration is crucial to ensure your travel insurance policy is valid and provides the right level of coverage. Here’s why: 

• Potential Savings on Your Travel Insurance

 
Several factors, such as the length of your trip, your age, and your health condition, affect the calculation of your travel insurance premium. Insurers use this information to assess potential risks and adjust the premium accordingly. A higher risk results in a higher premium, but the opposite is also true-if the assessed risk is low, you could save on your travel insurance.
 

• Prepared for the Unexpected

Travel insurance helps you stay prepared for unforeseen events. If you become ill or injured during your trip, having the right coverage can make all the difference, covering the cost of necessary care. Additionally, your policy may include coverage for trip cancellations or interruptions, as well as coverage for delayed, lost, damaged, or stolen baggage. With comprehensive travel insurance, you can avoid unforeseen expenses and travel with confidence throughout your journey.
 

• Coverage for Pre-Existing Medical Conditions 

A pre-existing condition is any medical condition, illness, or injury that exists before your departure date. It may be stable or require ongoing treatment, medication, or follow-up care. 

Many medical conditions may be covered by our travel insurance. If your condition is stable, it may then be covered by your travel insurance. The stability period-how long your condition must remain unchanged-typically ranges from three to six months, depending on your age and the type of coverage you select (please refer to the insurance policy for complete details). 

If your pre-existing condition isn’t considered stable and therefore cannot be covered, you can still benefit from travel insurance coverage for other unexpected events unrelated to that condition. 

To learn more about pre-existing conditions and how they may impact your coverage, check out our detailed article on the subject.
 

• Customized Coverage for Your Needs

In some cases, the Option: Reduced Stability Period allows you to shorten the required stability period from six months to three months, providing coverage for your pre-existing condition sooner. If you’re interested in this option, give us a call. Our team is here to help you find the right insurance for your unique situation.