What if I have a pre-existing medical condition?

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A standard travel insurance policy is unlikely to cover any pre-existing medical conditions. In other words, if you have asthma and suffer an attack on holiday that requires medical treatment, your policy will not pay out. But you should always declare any health issues when you apply for insurance because failure to disclose any relevant details could invalidate the policy. Some specialist policies will cover pre-existing conditions, though the higher risk of a claim is usually reflected in a higher premium.