{"id":938,"date":"2025-05-23T08:51:49","date_gmt":"2025-05-23T08:51:49","guid":{"rendered":"https:\/\/alaskanativeowned.com\/?p=938"},"modified":"2025-05-28T20:28:51","modified_gmt":"2025-05-28T20:28:51","slug":"this-common-medical-condition-can-hike-your-travel-insurance-premium-by-1159","status":"publish","type":"post","link":"https:\/\/alaskanativeowned.com\/index.php\/2025\/05\/23\/this-common-medical-condition-can-hike-your-travel-insurance-premium-by-1159\/","title":{"rendered":"This common medical condition can hike your travel insurance premium by 1,159%"},"content":{"rendered":"<figure class=\"img-container shareable-item wp-caption\">\n<div class=\"img-wrap\">\n\t\t<img width=\"646\" height=\"431\" src=\"https:\/\/alaskanativeowned.com\/wp-content\/uploads\/2025\/05\/GettyImages-2196227681.jpg\" class=\"article-image wp-image-23228615\" alt=\"Solo woman traveler waiting for departure\" loading=\"lazy\" \/>\t<\/div><figcaption>Despite this, it&#8217;s still important to declare your conditions (Picture: Getty Images)<\/figcaption><\/figure>\n<div class=\"metro-article-audio-player\" data-vars-type=\"article-audio-player\">\n<div class=\"metro-article-audio-player-play-row\">\n\t\t\t\t<button class=\"metro-article-audio-player-play-button\"><br \/>\n\t\t\t\t\t<title>Listen to article<\/title>\t\t\t\t\t<span>Listen to article<\/span><br \/>\n\t\t\t\t<\/button><\/p>\n<div class=\"img-container\"><img class=\"sponsor-image\" src=\"https:\/\/metro.co.uk\/wp-content\/themes\/metro\/includes\/site-blocks\/article-audio\/assets\/powered-by.png\" alt=\"Powered by\" data-rewritten=\"false\" \/><\/div>\n<\/p><\/div>\n<div class=\"audio-controls hidden\">\n\t\t\t\t<audio class=\"audio-element\" src=\"https:\/\/metro.co.uk\/wp-content\/uploads\/2025\/05\/ElevenLabs_2025-05-23T08_50_59_Axell-British-YouTube-Personality-_pvc_sp100_s50_sb75_se30_b_m2-604d.mp3\" controls id=\"audio-683771f441982\">\t\t\t<\/p>\n<p>\t\t\t\t\tYour browser does not support the audio element.<br \/>\n\t\t\t\t<\/audio>\n\t\t\t<\/div>\n<\/p><\/div>\n<p>Those with <a data-track=\"inline-tag-auto-link_article\" href=\"https:\/\/metro.co.uk\/tag\/health-news\/\">health<\/a> issues will be all too familiar with being charged extra for <a href=\"https:\/\/metro.co.uk\/2025\/01\/02\/travel-insurance-guide-2025-best-deals-barclays-gocompare-22266818\/\">travel insurance<\/a> \u2014 and new research reveals just how much extra.<\/p>\n<p>According to data from GoCompare, customers who declare pre-existing medical concerns typically pay more than double for annual <a href=\"https:\/\/metro.co.uk\/2025\/02\/06\/earthquakes-wildfires-everything-need-know-travel-insurance-22508464\/\" target=\"_blank\" rel=\"noreferrer noopener\">holiday cover<\/a>, taking the average premium from \u00a340 to \u00a390.<\/p>\n<p>However, in the latest <a href=\"https:\/\/www.which.co.uk\/policy-and-insight\/article\/some-medical-conditions-can-send-travel-insurance-premiums-soaring-by-more-than-1000-per-cent-which-finds-a1xGm1K7pcpr\" target=\"_blank\" rel=\"noreferrer noopener\">Which? study<\/a>, certain conditions increased the price of a <a href=\"https:\/\/metro.co.uk\/2025\/03\/11\/martin-lewis-offers-urgent-asab-warning-holidaymakers-2025-22704920\/\" target=\"_blank\" rel=\"noreferrer noopener\">single trip policy<\/a> by as much as 1,159%.<\/p>\n<p>To investigate the issue, the consumer champion sought insurance quotes from 12 well-known providers for three real people: a 67-year-old with type 2 <a data-track=\"inline-tag-auto-link_article\" href=\"https:\/\/metro.co.uk\/tag\/diabetes\/\">diabetes<\/a>, a 40-year-old with<a href=\"https:\/\/metro.co.uk\/tag\/epilepsy\/\"> epilepsy<\/a>, and a 41-year-old with<a href=\"https:\/\/metro.co.uk\/2023\/06\/11\/i-waited-my-twenties-for-bipolar-diagnosis-it-almost-came-too-late-18916893\/\"> bipolar and personality disorder<\/a>, who\u2019d had an unplanned hospital admission during the last five years.<\/p>\n<p>In each case, Which? selected the cheapest European annual policy available with \u00a35m medical cover, \u00a32,000 cancellation cover, and \u00a31,500 cover for baggage with gadget protection, comparing prices before and after their health conditions were declared.<\/p>\n<p>In the case of the traveller with bipolar and personality disorder, five mainstream insurers actually refused cover, leaving just seven viable policies.<\/p>\n<p>In the most extreme example, premiums with one insurer jumped by an eye-watering 1,159% after declaring their conditions, from \u00a338.48 to \u00a3484.52. But across the board, the price rises remain pretty shocking: 715% on average, up from \u00a358 to \u00a3426.<\/p>\n<p>There is a small silver lining though. Even after declaring bipolar and personality disorder, there was a massive \u00a3531 difference between the most and least expensive policies, showing there&#8217;s still savings to be made by shopping around. And given the cheapest option (\u00a3184) came from a specialist insurer, it&#8217;s worth going beyond the comparison sites if you have more complex medical conditions.<\/p>\n<div class=\"video-player\">\n<div class=\"metro-video-player \" data-track-module=\"video-player\">\n<div class=\"vjs-video-container vjs-fixed vjs-responsive\">\n\t\t\t\t\t\t\t\t\t\t{&#8220;@context&#8221;:&#8221;https:\/\/schema.org&#8221;,&#8221;@type&#8221;:&#8221;VideoObject&#8221;,&#8221;name&#8221;:&#8221;Metro.co.uk&#8221;,&#8221;duration&#8221;:&#8221;T30S&#8221;,&#8221;thumbnailUrl&#8221;:&#8221;https:\/\/i.dailymail.co.uk\/1s\/2025\/05\/19\/16\/98535393-0-image-a-3_1747669105214.jpg&#8221;,&#8221;uploadDate&#8221;:&#8221;2025-05-19T16:09:35+0100&#8243;,&#8221;description&#8221;:&#8221;Deadlines move fast. So do you &#8211; with the Samsung Galaxy S25 Ultra on Vodafone Business&#8217; powerful network&#8221;,&#8221;contentUrl&#8221;:&#8221;https:\/\/videos.metro.co.uk\/video\/met\/2025\/05\/19\/1760175980206013783\/480x270_MP4_1760175980206013783.mp4&#8243;,&#8221;height&#8221;:270,&#8221;width&#8221;:480}<\/p>\n<p>\t\t\t\t\t<video id=\"3439011\" class=\"video-js\" poster=\"https:\/\/i.dailymail.co.uk\/1s\/2025\/05\/19\/16\/98535393-0-image-a-1_1747669102260.jpg\" data-opts=\"{&quot;controls&quot;:true,&quot;preload&quot;:&quot;metadata&quot;,&quot;autoplay&quot;:false,&quot;videoId&quot;:3439011,&quot;duration&quot;:30,&quot;pageURL&quot;:&quot;The-power-AI-small-business&quot;,&quot;title&quot;:&quot;The power of AI for small business&quot;,&quot;previewText&quot;:&quot;Deadlines move fast. 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preload=\"metadata\" playsinline><\/p>\n<p class=\"vjs-no-js\">To view this video please enable JavaScript, and consider upgrading to a web<br \/>\n\t\t\t\t\t\t\tbrowser that<br \/>\n\t\t\t\t\t\t\t<a href=\"https:\/\/videojs.com\/html5-video-support\/\" target=\"_blank\" rel=\"noopener\">supports HTML5<br \/>\n\t\t\t\t\t\t\t\tvideo<\/a><\/p>\n<p>\t\t\t\t\t<\/video>\n\t\t\t\t<\/div>\n<div class=\"metro-video-player__up-next-placeholder\">\n<div class=\"metro-video-player__up-next-placeholder-header\">\n<div class=\"metro-video-player__up-next-placeholder-header-label\">\n<p>Up Next<\/p>\n<p>\t\t\t\t\t\t\t<span class=\"spinner\"><\/span>\n\t\t\t\t\t\t<\/div>\n<div class=\"metro-related-video-carousel__navigation\">\n<div class=\"metro-related-video-carousel__arrow metro-related-video-carousel__arrow--left disabled\">\n\t\t\t\t\t\t\t\t<title>Previous Page<\/title>\n\t\t\t\t\t\t\t<\/div>\n<div class=\"metro-related-video-carousel__page\"><\/div>\n<div 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class=\"metro-related-video-carousel__related-video-placeholder-headline\">\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span>\n\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<div class=\"metro-related-video-carousel__related-video-placeholder\">\n<div class=\"metro-related-video-carousel__related-video-placeholder-thumbnail\">\n\t\t\t\t\t\t\t<\/div>\n<div class=\"metro-related-video-carousel__related-video-placeholder-headline\">\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span><br \/>\n\t\t\t\t\t\t\t\t<span><\/span>\n\t\t\t\t\t\t\t<\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>\t\t\twindow.addEventListener(&#8216;metroVideo:relatedVideosCarouselLoaded&#8217;, function(data) {<br \/>\n\t\t\t\tif (typeof(data.detail) === &#8216;undefined&#8217; || typeof(data.detail.carousel) === &#8216;undefined&#8217; || typeof(data.detail.carousel.el_) === &#8216;undefined&#8217;) {<br \/>\n\t\t\t\t\treturn;<br \/>\n\t\t\t\t}<br \/>\n\t\t\t\tvar player = data.detail.carousel.el_;<br \/>\n\t\t\t\tvar container = player.closest(&#8216;.metro-video-player&#8217;);<br \/>\n\t\t\t\tvar placeholder = container.querySelector(&#8216;.metro-video-player__up-next-placeholder&#8217;);<br \/>\n\t\t\t\tcontainer.removeChild(placeholder);<br \/>\n\t\t\t\tcontainer.classList.add(&#8216;metro-video-player&#8211;related-videos-loaded&#8217;);<br \/>\n\t\t\t});<\/p><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>After the second case study&#8217;s epilepsy was declared, their premiums were hiked by an average of 23%, from \u00a367 to \u00a377. Quotes ranged from just \u00a352 at the lowest end, up to more than double that, at \u00a3110.<\/p>\n<p>The traveller with diabetes saw the smallest changes, with quotes rising 6% on average &#8211; from \u00a3129 to \u00a3136. However, Which? found there were significant variations in the quotes offered, and it was cheaper for them to go with mainstream insurers over medical specialists.&nbsp;<\/p>\n<p>When the watchdog spoke to insurance specialists at medical screening firms Protectif and Verisk, neither identified particular conditions as being particularly &#8216;tricky&#8217; to insure, but they did note that the stability of a condition (from time after diagnosis to ongoing treatment) is often key.<\/p>\n<section class=\"metro-comment-cta\">\n<div class=\"metro-comment-cta__inner\"><span class=\"metro-comment-cta__text-wrap\"><title>Comment now<\/title><span class=\"metro-comment-cta__text\">Have you experienced a hike in your travel insurance premium due to a medical condition?<\/span><\/span><a class=\"metro-comment-cta__button\" href=\"#metro-comments-container\">Comment Now<\/a><\/div>\n<\/section>\n<p>Back in February, a Which? survey of 9,000 Brits found 82% of those who&#8217;d declared a medical condition felt this had affected the cost of their premium while 25% believed it had had a major impact. Alongside one respondent who said that &#8216;reasonable premiums are difficult to find&#8217;, another claimed obtaining affordable insurance was &#8216;almost impossible&#8217;.<\/p>\n<p>Sam Richardson, Deputy Editor of Which? Money, comments: &#8216;<a href=\"https:\/\/metro.co.uk\/2025\/02\/06\/earthquakes-wildfires-everything-need-know-travel-insurance-22508464\/\">Travel insurance is an essential <\/a>when going on holiday, but finding the best policy at the right price isn\u2019t always straightforward &#8211; especially if you have a pre-existing condition.<\/p>\n<p>&#8216;Our research found significant disparities in price depending on the insurer, so it\u2019s vital that consumers shop around and compare as many policies as possible before making a decision. While comparison sites are a great starting point, these won\u2019t always include specialist providers &#8211; so it\u2019s essential to obtain these quotes separately before making a purchase.<\/p>\n<p>&#8216;Though 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 and in the worst cases, leave you with a bill in the thousands of pounds.&#8217;<\/p>\n<p class=\"\"><strong>Do you have a story to share?<\/strong><\/p>\n<p class=\"\"><strong>Get in touch by emailing <a href=\"mailto:MetroLifestyleTeam@Metro.co.uk\">MetroLifestyleTeam@Metro.co.uk<\/a>.<\/strong><\/p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Despite this, it&#8217;s still important to declare your conditions (Picture: Getty Images) Listen to article Listen to article Your browser does not support the audio element. Those with health issues will be all too familiar with being charged extra for travel insurance \u2014 and new research reveals just how much extra. According to data from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":940,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[10],"tags":[],"_links":{"self":[{"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/posts\/938"}],"collection":[{"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/comments?post=938"}],"version-history":[{"count":2,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/posts\/938\/revisions"}],"predecessor-version":[{"id":941,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/posts\/938\/revisions\/941"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/media\/940"}],"wp:attachment":[{"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/media?parent=938"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/categories?post=938"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/alaskanativeowned.com\/index.php\/wp-json\/wp\/v2\/tags?post=938"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}