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FAQ Home | General Questions | Critical Illness Insurance | Life Insurance | Home and Contents Hot Topics
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.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. For instance, you must disclose if you or any of the above mentioned: • are waiting for the outcome of medical tests.
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.
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