Can you be refused Travel Insurance?

Insurance is all about risk. The greater the risk of an illness, accident, loss or another event occurring, the higher the premium you will be expected to pay for cover. If the Insurance Company decides that the chances of an incident occurring are extremely high, it is not obliged to insure you.

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Hot Topics

Does cheap travel insurance mean you’ll get less cover?
Not necessarily – but you can be sure when you buy your travel insurance through Endsleigh or Essential Travel you'll get a great deal !
Why is there a need for a special backpacker’s travel insurance?
More and more people are taking off around the world or studying abroad for long periods of time – this has created the need for a special type of insurance, which is commonly known as backpacker travel insurance.
What insurance cover do you need to drive abroad?
If you are driving your own car or hiring a car whilst you are abroad you need to have appropriate car insurance in addition to travel insurance.
How much can you really save buying travel insurance online?
You could save up to 40% through Securance, our partners for Travel Insurance.
Is there such a thing as golf travel insurance?
Yes, you can get specialist golf travel insurance which is good news for enthusiasts who will know only too well the difficulty of finding suitable cover for golfing holidays.
Nevertheless, when you apply for any Insurance, you must declare anything that might affect the policy. If you don’t - and you need to make a claim, your policy may be invalidated.

More often, in the case of travel insurance, health factors are the main reasons for increasing your premiums or preventing you from being insured. It is important to inform your insurer of any medical conditions affecting yourself, those travelling with you, or indeed of anyone whose state of health may prevent you from travelling or cause you to curtail your trip.

For instance, you must disclose if you or any of the above mentioned:

• are waiting for the outcome of medical tests.
• have been advised not to travel by a medical practitioner.
• are taking the trip expressly to get medical treatment.
• have been suffering from a persistent or incurable illness in the last year.
• are waiting for, undergoing or recuperating from in-patient treatment.
• are terminally ill.


Important advice from Brokers Online

Remember, even if any of these situations apply, you will not necessarily be refused travel insurance - but it could have a bearing on your premium.

However, if you are turned down, it’s better to know where you stand before travelling, rather than paying for insurance and then finding you are ineligible to claim.