Reply To: Revolut Premium travel insurance – any good?

[robkeane]

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.

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

You are stating it as fact, whilst in the same post conceding you have never tested the language.

I would strongly advise that you go more than “your understanding” when it comes to ensure you have the desired cover.

Ever policy that I have ever applied for, does consider high cholesterol as a reportable pre-existing condition, in fact the wording of the related question is something along the lines of “have you ever been told you have high cholesterol”.

Given travel insurance policies quotations recognise it as reportable, I would be very concerned that an issue that arose that might be related to having high cholesterol would be excluded from any “free” travel insurance that does not include pre-existing conditions. Same applies to blood pressure etc.

Insurance is one of those things you buy that you hope you never need, but you should ensure that it’s valid for the vital situations that you might need it. Frankly I don’t overly worry about luggage lose or travel delay, I do make totally sure as best I can, that medically I’m covered.

I learned last year that if you have a condition waiting diagnosis, a lot of insurers will not offer cover at all, even for other stuff that has been previously declared. Should you travel whilst waiting for a diagnosis for a condition (who these days isn’t waiting months and months for a consultant appointment) on a multi-trip policy that you took out 9 months ago when you didn’t have this undiagnosed condition, you might well be travelling on zero health insurance coverage, as you did not declare the presence of an undiagnosed condition to your insurer.