If you have declared illness you must take travel insurance when you go on holiday or travel abroad just in case you fall ill and need medical treatment. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with a declared illness
Travellers with declared illness have in the past paid significantly more for their travel insurance as those with declared illness, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have declared illness, but for the same person with declared illness, the premium could be £36.41, that’s around 3 times more expensive.
Typically customers with declared illness might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
All of the factors to do with your declared illness will be taken into account when you apply for travel insurance to ensure that should you need to make a claim it will be honoured.
Finally, those that are awaiting a diagnosis or additional tests face the heftiest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.