Most travel insurance policies exclude cover for pre-existing conditions that the policyholder knew about before arranging the insurance. In particular, an intending traveller who is undergoing medical treatment for a serious condition such as cancer, could not expect to be covered for medical costs if that condition takes a turn for the worse during the trip.
However, an issue arises where treatment has been received for what was thought to be a minor condition, and that condition later turns out to be more serious. For example, what appears to be a minor skin condition might subsequently be diagnosed as a carcinoma. In this situation, although the policyholder has arranged travel and purchased travel insurance expecting to be fully covered, the insurer may refuse a claim on the basis that the medical condition was already being treated, even if initially that condition was not thought to be serious. The insurer's position will depend on the specific circumstances, and the wording of the relevant policy exclusion.
If, at the time of arranging travel insurance, you are being treated for any medical condition, it would be prudent to ask your doctor about the possibility of that condition being or becoming more serious. In some cases, you may need to consider delaying a trip if the diagnosis is inconclusive.
As specific terms of cover vary amongst insurers, you might consult an insurance broker to get the best cover for your particular circumstances. However, buying travel cover through a broker can sometimes cost more than an off-the-shelf policy purchased through your travel agent or on the internet. Also, in some cases, you may not be able to obtain full coverage from any insurer.
If you have had a claim declined, due to a pre-existing medical condition that was not diagnosed at the time when you arranged your travel insurance policy, you should consult a lawyer about whether it would be worthwhile challenging the insurer's decision.
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