Claims as a result of medical conditions you had before you took out the insurance policy - and didn't tell your travel insurance company about.

If you have a medical condition - asthma, heart disease or whatever - tell the insurer beforehand to check you'll still be covered for any claim as a result.

This includes the condition of everyone in the cover, plus stay-at-home close relatives whose health may be dodgy enough to stop you travelling or force you to shorten or pull out of the trip.

Hot Tips and Info

Do tell the truth
Don't over cover, but be sensible about what you may do on holiday
Check whether reciprocal health arrangements are in place with the UK

Tell us your stories and tales of misfortune and recovery

Allow others to benefit from your hard earned wisdom

Claims as a result of activities you take part in such as:
- horse riding
- skiing
- scuba diving
- cycle touring
- and didn't tell your travel insurance company about. Remember, what's looked on as a dodgy/risky activity can vary between insurers, so always check the small print and gather several quotes.

Camel Trip

So think twice before you hop on that camel trip in Morocco.

Your Lawrence of Arabia moment could seem like fun at the time, but if your camel tramples an innocent bystander (it happens) and you don't have personal liability cover for that particular activity and the trampled one decides to sue you, be very, very afraid...

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