Insurance comparison site Confused has become the latest to offer a dedicated search tool for would-be travellers who have pre-existing medical conditions.
The company says that although many insurers either refuse to cover people with certain conditions or dramatically increase premiums, it is a myth that people in this position are completely unable to get cover. This myth may be deterring people from taking holidays or making business trips.
The issue is important as the pre-existing conditions rules do not simply cover people who are currently suffering from a medical issue. Instead customers must declare the condition if they have ever been diagnosed with it, have received treatment for it, or both. This applies even if they have since received a clean bill of health.
Failing to disclose a pre-existing condition is classed as failing to act in good faith in relation to a material fact. This means that if an insurer discovers the customer has not mentioned such a condition, it can refuse to pay out on any claim, even if it doesn't relate to the specific condition or is for a non-medical issue such as lost luggage or delays.