Research shows that some medical conditions can increase travel premiums by more than 1,000 %.
What is the consumer champion? Quotations of 12 famous providers for three real people: a 67 -year -old with type 2, 40 -year -old diabetes and a 41 -year -old with bipolar disorder and personality, who had been hospitalized in the past five years.
For passengers with bipolar and personality disorder, the premium with an insurer has increased by 1.59 % after the announcement-from 38.48 pounds to £ 484.52-while on average seven insurers increase their price by 715 %.
Only two of the seven standard insurers were willing to provide cover. All five specialist companies in the field of pre -existing medical conditions provided cover.
Sam Richardson, Vice President of Editor? “Our research has shown significant differences in price depending on the insurer, so it is very important for consumers to buy and compare policies as much as possible,” the money said.
“While comparison sites are a great starting point, they do not always include specialist providers – so obtaining these quotes is necessary separately before purchasing.”
Which data shared with which? Comparing the market comparison site showed that customers who purchased a seamless travel policy in February 2025 pay almost twice as much when announcing a medical status, while for annual policies, pre -existing conditions typically add about £ 50.
To study, which? He selected Europe’s cheapest annual policy with £ 5million medical coverage, 2,000 pounds canceled and 1,500 pounds for luggage protection.
The announcement of bipolar disorder and personality led to the difference between £ 531 among the most expensive policy and the cheapest, both specialist providers.
However, which? More competitive options for people with diabetes and epilepsy found in regular insurers.
Epilepsy has increased by 23 percent and the average price increase from £ 67 to £ 77. While a person with diabetes see the lowest increase in the total price, although quotes increase by an average of six percent – from 129 pounds to 136 pounds – their coverage shows significant changes in quotes from 76 pounds to 169 pounds.
In a poll, more than 9,000 people who have been in travel insurance or have purchased them in the past two years will affect eight in 10 feelings of medical conditions and a quarter believes that it has a major impact.
“Although it may be a tempting condition to reduce prices, it is never worth the danger,” said Sam Richardson.
“Failure to proclaim something in advance can invalidate your policy and, in the worst, will bill you with thousands of pounds.”
Protec the Medical Risk Assessment Company said which? The fact that about 82 percent of the applicants were pre-existing medical status between 2022-202.
Which? It also found that the coating standard is significantly different between travel insurance.
The consumer company examined 153 travel insurance insurance provided by 55 provider and ranked its policy score with approximately 70 features of this cover.
Here, the scores range from 19 % to 88 %, indicating the widespread differences in the quality of the coverage.
Read more: “No one wants insurance but everyone needs it” – Go Walkabout Founder
