Reply To: Revolut Premium travel insurance – any good?

[yonasl]

Never tested the pre existing condition language on insurance documents but my understanding is they try to avoid you getting treatment for an illness you are well aware of.

For instance, I may know I have high colesterol or something that could cause cardiovascular conditions. That doesn’t mean any issue that could arise from this (or not) would not be covered. (Should I report every bone I broke in my life or hospital visit?)

If I was travelling and had a heart attack while trekking the insurance would cover the emergency treatment required.

However, if I land in the US and walk into a hospital and ask for heart medicine the insurance won’t cover that as I am just trying to treat what’s indeed an existing condition

Deaths of passengers or family are also separate events. So if you have a relative with an illness you can take insurance in case they unfortunately pass away even if you are aware they may have a serious condition.

PS: after being with my mother for 3 months at an NHS hospital I can tell you that unlike the Revolut insurance the NHS will pick the tab for any person landing in the UK and requiring medical attention. Maybe that is why brits are so good at selling/getting insurance when travelling while you will rarely see that advertised in Europe or other countries.