{"id":121564,"date":"2025-05-22T04:05:10","date_gmt":"2025-05-22T04:05:10","guid":{"rendered":"https:\/\/www.europesays.com\/uk\/121564\/"},"modified":"2025-05-22T04:05:10","modified_gmt":"2025-05-22T04:05:10","slug":"the-two-health-conditions-which-could-see-your-travel-insurance-premium-soar-by-more-than-1000-per-cent","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/uk\/121564\/","title":{"rendered":"The two health conditions which could see your travel insurance premium soar by more than 1,000 per cent"},"content":{"rendered":"

By LUCY EVANS<\/a> <\/p>\n

Published: 19:01 EDT, 21 May 2025 | Updated: 19:40 EDT, 21 May 2025 <\/p>\n

Holidaymakers could find their travel insurance premiums soar by more than 1,000 per cent if they declare a certain two conditions, research from consumer website Which? reveals.<\/p>\n

Telling an insurer about a pre-existing health condition typically more than doubles the price of an annual travel insurance policy, hiking the cost from \u00a340 to \u00a390, according to comparison website Go.Compare.<\/p>\n

But individuals with bipolar and personality disorder could be forced to pay as much as \u00a3446 more when declaring their conditions \u2013 a 1,159 per cent hike on their original quote.<\/p>\n

Which? compared quotes before and after declaring pre-existing medical conditions for three real people.<\/p>\n

The quotes were compared across 12 well-known insurance providers, seven of which were standard insurers while five were companies that specialise in cover for pre-existing conditions.<\/p>\n

\"\" <\/p>\n

The prices were compared for individuals with bipolar and personality disorder, epilepsy and diabetes<\/a> \u2013 and the cheapest European annual policy was selected for all quotes.<\/p>\n

The average premium soared from \u00a358 to \u00a3426 for the traveller with bi-polar and personality disorder \u2013 a 715 per cent surge \u2013 with the most expensive policy coming in at \u00a3715 and the cheapest costing \u00a3184.<\/p>\n

In the most extreme case the cost surged from \u00a338.48 to \u00a3484.52.<\/p>\n

However, premiums climbed an average of just 23 per cent when the holidaygoer with epilepsy declared their condition. Providers added an average of just \u00a310 to the cost, with premiums rising from \u00a367 to \u00a377.<\/p>\n

But it\u2019s worth shopping around as the cheapest quote was just \u00a352 while the most expensive was more than double this at \u00a3110.<\/p>\n

The traveller with diabetes saw the smallest increase in price as quotes rose just 6 per cent on average \u2013 from \u00a3129 to \u00a3136 \u2013 when they declared their condition.<\/p>\n

The cheapest came in at \u00a376 while the most expensive cost \u00a3169.<\/p>\n

Insurance specialists at medical screening firms Protecif and Verisk said the stability of a condition is often key to insurers, including when it was diagnosed, ongoing treatment and the side effects.<\/p>\n

Sam Richardson, deputy editor of Which? Money, said: \u2018Though it may be tempting to omit a condition in order to get the price down, it\u2019s never worth the risk. Failing to declare something in advance could see your policy invalidated.<\/p>\n

\u2018While comparison sites are a great starting point, these won\u2019t always include specialist providers – so it\u2019s essential to obtain these quotes separately before making a purchase.\u2019<\/p>\n

L.evans@dailymail.co.uk<\/p>\n

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