Planning a trip can be exciting, but if you’re living with a medical condition like high cholesterol, you might be wondering how it affects your travel insurance. The big question is: do you have to declare high cholesterol on travel insurance? In short, yes, you do. Here’s why it’s important, what the process looks like, and how it could affect your cover.
Travel insurance
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Why declaring high cholesterol matters
Even though high cholesterol is common and often well-managed with medication, most travel insurers classify it as a pre-existing medical condition. That means you’re required to declare it when purchasing your travel insurance policy.
If you don’t, and something happens while you’re away that’s even remotely related to your condition, like a heart attack or stroke, your insurer could reject your claim. It doesn’t matter whether your high cholesterol is controlled with statins or hasn’t caused you any issues in years. If it’s not declared, it’s not covered.
Failure to declare any pre-existing conditions can invalidate your entire policy, leaving you without cover when you might need it most.
What information do insurers need?
When you apply for travel insurance, you’ll usually complete a medical screening. It’s a short series of questions asking about your condition, treatment, and any related complications. Here’s what you might be asked:
- Have you ever been diagnosed with high cholesterol?
- Are you on medication (such as statins)?
- Have you ever had any complications (like angina, stroke, or a heart attack)?
- Are you under regular review by a GP or specialist?
Don’t worry, just having high cholesterol doesn’t mean your premium will skyrocket. If it’s well-controlled and you’ve had no major cardiovascular issues, many insurers will offer standard terms, sometimes without any increase in price.
Can you still get affordable travel insurance?
Yes, and it’s often more affordable than people think.
Some tips for getting a good deal:
- Be honest during your medical screening
- Choose the right level of cover so you don’t pay extra for what you don’t need, but make sure you’re covered for medical emergencies, cancellations, and repatriation
What does high cholesterol travel insurance cover?
If you declare your high cholesterol, your policy can protect you for:
- Emergency medical treatment abroad
- Cancellation or curtailment due to health-related issues
- Medical repatriation (getting you back home if needed)
- 24/7 emergency assistance
Cover will vary by provider, so always read the policy wording carefully. Some insurers might require you to be stable (i.e., no recent changes in medication or hospital visits) before they offer full cover.
Summary
So, do you have to declare high cholesterol on travel insurance? Absolutely, and being upfront is the best way to ensure you’re properly covered.
It’s quick, often doesn’t cost much more, and gives you peace of mind to enjoy your holiday without the added stress of “what ifs.” If your cholesterol is managed and you haven’t had related complications, you’ll find travel insurance that is affordable and comprehensive.
