Travel Insurance: Avoid Claim Denials by Declaring Pre-Existing Conditions

Filling out your travel insurance form online? If you have hypertension, asthma, diabetes or any health issue, you might be tempted to skip the question on pre-existing conditions. But failing to declare can leave you footing huge medical bills abroad. One traveller in the US had years of high blood pressure but didn’t disclose it. She later suffered a crisis in New York. The hospital bill ran to $8,500 (around ₦13 million), and her insurer refused to pay. A pre-existing condition is any medical issue diagnosed, treated or with symptoms before buying your policy—even if it’s under control. Common examples include hypertension, diabetes, asthma, sickle cell, epilepsy, heart disease, cancer in remission, kidney problems, mental health conditions, severe allergies and HIV/AIDS. Learn which Nigerian insurers cover pre-existing conditions, what it will cost you, and how to complete your application so your claim gets paid when you need it most.

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