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.

For Single Trip Travel Insurance

For Multi Trip Travel Insurance

Hot Topics

What are the different types travel insurance and which should you choose?
Travel Insurance policies vary from one provider to another. Generally speaking, the higher the premium, the more comprehensive the cover. However, this isn’t always the case. So you should check the policy to ensure that you are getting the most appropriate type and level of cover.
Do you need travel insurance if you are travelling in the UK?
If you are going anywhere in the UK, essentially the only travel insurance that you need is a simple cancellation policy. This means that in the event of any transport or accommodation being cancelled, the policy will cover your costs.
What’s the difference between standard and business travel insurance?
Business trips and pleasure trips involve different risks and the respective travel insurance policies reflect this distinction.
Can you explain more about family travel insurance?
If you are going on a family holiday, you could get a better deal by taking out family travel insurance.
What exclusions on Travel Insurance should you look out for?
In other words, what is NOT covered by your travel insurance ! Never make any assumptions !
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.