Holidays and Travel Tips
From 2005 travel insurance sold by insurers or brokers has been regulated but insurance bought with a holiday package is not. This can lead to confusion and lack of protection, often because travel agents do not know the right questions to ask!
Pre-existing medical conditions such as diabetes, are already a grey area for travel insurance with many people finding that when they make a claim the insurer will not pay up saying that the pre-existing illness or condition excluded them from the scope of the policy. These problems usually occur when the insurance is sold as part of a holiday package.
Each insurance company has its own criteria for judging medical conditions and in many cases the more serious the illness the higher will be the premium. Diabetes is one of the medical conditions that may attract a higher premium.
Always check the small print of a policy to make sure that you are adequately covered. If you are not asked very detailed questions about your health then ask whether any of the conditions you have will affect the cover that is offered.