Online Medical Declaration

We understand the significance of obtaining suitable travel insurance protection for any pre-existing health conditions you may have. Ensuring you are protected while exploring the world is crucial, as unexpected situations can arise when you least expect them. We firmly believe that having a health condition shouldn't hinder your ability to embark on exciting journeys and experience new adventures.

That's why we are dedicated to helping you compare specialist providers who understand your unique needs. We aim to give you peace of mind while potentially saving you from incurring substantial expenses in the event of unforeseen medical issues or emergencies during your holiday.

Our convenient online medical screening service is specifically designed to streamline the process of comparing travel insurance options, making it even more accessible for you. With this user-friendly service, you can effortlessly provide all the necessary details about your health condition(s). This information ensures that you obtain the most accurate and tailored quotes for your specific needs, allowing you to make informed decisions about your travel insurance policy.

In this guide, we explore our medical screening process and how it can assist you in selecting the right travel insurance policy. We aim to provide you with the knowledge and resources necessary to confidently declare your pre-existing conditions, ensuring you can travel with peace of mind.

What is Online Medical Screening?

With the convenience of online medical screening, you can effortlessly provide detailed information about any pre-existing health conditions, not only for yourself but also for anyone you wish to include on your policy.

Through our user-friendly online screening service, you have the flexibility to add specific medical conditions during the quote process. This ensures that you receive tailored quotes from providers that offer comprehensive protection for those specific conditions, enhancing the likelihood of finding a policy that fits your unique needs.

Say goodbye to the outdated practice of filling out tedious paper forms, waiting for written confirmation to arrive in the post, or discussing your sensitive medical history with a stranger over the phone. Our online service enables you to complete the entire process in just a matter of minutes, all from the comfort of your own home, allowing you to arrange your cover immediately.

Why Do I Need to Tell You About My Health Conditions?

Travel insurance companies require detailed information about specific pre-existing health conditions to provide you with comprehensive protection, which includes cover for your declared conditions. This step is crucial because if a condition you've disclosed flares up before your trip and you find yourself medically unable to travel, you may benefit from cancellation cover, which can save you significant financial loss and stress.

Additionally, while you’re away, if you require medical assistance for your pre-existing health condition, the insurance will help cover the treatment costs, potentially saving you from hefty out-of-pocket expenses. In some cases, the insurance policy may even arrange for your repatriation - bringing you back to the UK, if necessary. This aspect of cover provides peace of mind, knowing that you are not alone should a medical emergency arise during your travels.

Therefore, it is of utmost importance that you fully disclose all your medical conditions to ensure the validity of your policy. Insurance providers rely on this information to assess your risk and tailor your protection accordingly.

What Pre-Existing Medical Conditions Do I Need to Tell You About?

During your quote process, we will guide you through a series of short questions regarding the medical history of both you and any other individuals you wish to include under your policy. This thorough approach enables us to accurately assess whether you need to disclose any existing health conditions that could impact your travel insurance options.

Based on your pre-existing medical conditions, we may ask about the various medications you currently take, any past hospital admissions and the age of your diagnosis. Additionally, you will not need to provide the specific names of any medications.

For more information in understanding what pre-existing medical conditions, you need to declare, you can read our guide found at the below link.

READ MORE: Which Medical Conditions Do I Need to Declare?

Understanding the Medical Screening Process

In this section, we will delve into the medical screening process designed to help you navigate the complexities of declaring your pre-existing conditions. By taking you through each step, we aim to demystify the procedure, making it easier for you to provide accurate and comprehensive information.

Understanding this process is vital, as it ensures that you receive the appropriate cover tailored to your health needs, allowing you to travel with confidence and peace of mind.

What Medical Questions Will You Ask?

Before you get started, it’s important to remember to answer the questions as honestly as possible. Keep in mind, that your conditions may result in you answering 'Yes' to multiple questions. If you’re uncertain about any details concerning your medical condition, we recommend reaching out to your GP or medical practitioner first, for guidance.

We realise that discussing personal health can be sensitive, here at Medical Travel Compared, we are committed to managing your information with the utmost care and confidentiality.

Please note, that we won’t be able to provide a quote if you or anyone else you want to cover, has an undiagnosed health condition that’s currently under investigation.

Question 1: First, we will ask if you, or anyone to be named on your policy has ever been diagnosed or treated for any cancerous, heart, circulatory, or respiratory conditions, (including problems with blood flow, strokes, high blood pressure, and cholesterol).

This could be a recent condition or even one from a long time ago that you’ve made a full recovery from. If it is an old condition, don’t worry, providers will take this into account.

Question 2: We’ll also ask if you or anyone to be named on your policy has ever been diagnosed or treated for psychological conditions such as stress, anxiety, depression, or eating disorders.

You do not need to answer 'Yes' if you’ve ever felt like you’ve had one of these conditions - only if you have ever been formally diagnosed by a medical professional or received treatment for this type of condition.

Question 3: We then ask if you, or anyone to be named on your policy, has been prescribed medication or attended a hospital as an out or in-patient, or any other medical facility such as a medical practitioner's surgery within the last 2 years.

Meaning, if you’ve seen a doctor about a condition, or if you’ve been given medication to help with a condition (including repeat prescriptions), you will need to answer yes here.

Question 4: Next, we ask if you or anyone to be named on your policy has been put on a waiting list for treatment or investigation relating to an already diagnosed medical condition.

For example - you could have high blood pressure which has flared up, and you are currently undergoing additional investigation or waiting for treatment. Remember, if it’s a condition that has not been diagnosed, you’ll need to wait for a diagnosis before you can get a quote.

Question 5: Finally, we’ll then ask if you or anyone to be named on your policy has been given a terminal prognosis. Should you answer 'Yes' to this question, we will ask you one additional question to further understand the terminal prognosis.

If your answer is 'No' to all questions, there is no need to disclose any medical conditions. However, if you answer 'Yes' to any of the questions, you'll need to provide details of the associated medical condition(s).

How Do I Add Medical Conditions to My Quote?

If you have answered 'Yes' to any of the above questions and clicked 'Continue', you will be taken to the 'About Your Health' page. Here, you can easily add any medical conditions that you or anyone to be named on the policy, may have.

To add a condition, click the 'Add condition' button on the row of the individual who has the condition. You will then need to start typing in the name of the condition, and our handy search tool will help you locate your condition - we'll do our utmost to help you find the appropriate one.

Once you've found the correct condition, we may inquire about a few additional details, such as hospital admissions or medication usage, to truly comprehend your unique circumstances and the impact of the condition on your present well-being. This information helps our specialist providers understand your condition better, giving you the most accurate quote possible.

Remember, you only need to provide the name of the medical condition; there's no requirement to include any specific medications or treatments, although we may inquire about them if necessary.

If any travellers don't have any medical conditions, simply select 'nothing to declare' for that individual. Once you feel confident that you've added all the necessary conditions, you can complete the screening process and we'll present you with your quotes.

Will My Quotes Include Cover for the Medical Conditions I’ve Added?

Yes, rest assured that all the quotes we provide will meticulously cover any medical conditions you have shared with us, ensuring that you receive the most accurate and tailored options possible. When you review your quote results, you will have the opportunity to carefully verify all the details you have provided, allowing you to make informed decisions about your policy.

Additionally, when you purchase a policy, we will promptly send you an email confirmation that includes a summary of your policy details, cover limits, and any pertinent terms and conditions. This thorough confirmation ensures that you have a comprehensive record of the information you have provided and allows you to easily keep track of the policy you have purchased.

We believe that clear communication and transparency are key to ensuring your peace of mind as you navigate your insurance journey.

Can I Declare Some Conditions and Exclude Others?

In simple terms: no. While it's easy to omit or exclude specific conditions, doing so can leave you vulnerable if you need to make a claim due to a flare-up of one of those conditions.

Insurers typically view non-disclosure unfavourably, as it can be interpreted as a form of intentional dishonesty. Should you need to make a claim, insurers can decline your claim, or even worse, void your policy from inception, meaning you could be left facing substantial medical bills and without any protection for the remainder of your trip.

To secure the best protection, always declare all your pre-existing medical conditions. By doing so, travel insurance providers can make informed decisions about your policy and set the appropriate premium based on all the relevant details.

How Will My Medical Condition Affect the Cost of My Travel Insurance?

Many medical conditions can be included for little or no extra charge, although it's still important to declare all of them. This is because the severity of your condition plays a role in determining whether any additional premium is required.

But don’t worry—we’ve got your back! We’ll ensure everything is included in the quotes we display, so you won’t encounter any unpleasant surprises.

Travel insurance providers carefully evaluate the risk of you needing medical treatment while you’re away or having to cancel your trip due to your medical condition. If your illness is severe or unstable, you may need to pay more for travel insurance to receive the protection you need.

Rest assured, we’re here to help simplify the process and find the best insurance solution tailored to your unique needs.

READ MORE: How is Premium Calculated

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In summary, navigating the world of travel insurance with pre-existing medical conditions doesn't have to be a daunting task. By openly declaring any relevant conditions and understanding how they may affect your policy, you can ensure that you receive the best cover, tailored to your unique needs.

It's essential to be honest and thorough during the quoting process, as this transparency not only secures your peace of mind but also helps prevent any potential issues when making a claim.

We’ve done our best to make our medical screening process easy and simple. You just need to complete one set of medical screening questions to get quotes from our specialist providers on our panel. Click below to get started and see for yourself.