Blood pressure

Jet2 has issued an important travel insurance alert for passengers that affects anyone with these common health conditions

Jet2 has issued a travel alert to passengers about an important declaration they must make, or they could face ‘rejection’. It comes as millions of flight seats are set to depart from UK airports during the six-week summer break as Brits make the most of the school holidays.

As exciting as it can be to go on holiday, plans could easily be ruined if certain documents aren’t filled out correctly – including travel insurance. Sorting travel insurance as soon as you book a holiday is crucial, as it is not just for medical emergencies abroad, but for protecting your upfront investment from day one.

It’s important to declare all health conditions when you’re buying travel insurance. This is because standard policies usually don’t cover pre-existing medical conditions, and if you don’t mention them, you could lose your coverage entirely.

Jet2 reiterated this point in a social media alert posted on X this week. The popular UK airline told passengers: “Going away this summer? Declare your medical conditions when you buy travel insurance – it could save you thousands. If your details aren’t up to date, your claim could be rejected.”

Medical conditions can include, but are not limited to:

• Heart conditions/stroke
• Diabetes
• High blood pressure
• Respiratory conditions (such as asthma)
• Mental health conditions
• Any form of cancer

For passengers with common health conditions, such as diabetes and high blood pressure, declaring them is vital as these conditions are major risk factors for heart and metabolic issues. Insurers typically see them as directly related to serious and expensive medical emergencies.

Even if your health is stable and controlled with medication, these conditions are still seen as serious warning signs for possible health problems. If you don’t disclose them, your emergency medical coverage could be completely void, and you would be responsible for hospital costs that could easily amount to tens of thousands of pounds.

A statement on the Gov.uk Travel Aware page explains: “You must declare all pre-existing medical conditions when buying travel insurance. If you already have cover, you should check that your list of medical conditions is updated before each trip abroad.

“Failure to do this could mean your claim is rejected if you have a medical emergency while travelling. You must be honest about any medical conditions you have, to avoid risking a big bill. Check your policy to see what you need to declare.”

It added: “A British national was hospitalised and admitted to intensive care following a stroke while abroad. The insurance provider refused to cover the medical costs after it emerged the individual had not declared a previous stroke. As a result, the family was left to meet significant medical expenses.”

What is a pre-existing medical condition?

According to Jet2, any of the following medical conditions from which you have suffered or received medical advice, treatment (including surgery, tests, investigations by your doctor/consultant /specialist) or prescribed drugs or medication in the last five years include:

1. Any cancer condition (including leukaemia, non-Hodgkin’s lymphoma and any type of skin cancer)
2. Any heart-related or blood circulatory condition (including high blood pressure and high cholesterol)
3. Any diabetic condition
4. Any neurological condition (including stroke, brain haemorrhage, multiple sclerosis, epilepsy, and dementia)
5. Any breathing condition (including asthma, bronchitis and chronic obstructive pulmonary disease)
6. Any renal, kidney or liver condition
7. Any psychiatric or psychological condition (including anxiety, stress and depression)
8. Any chronic condition that can be controlled but not cured (including back pain, Crohn’s, diverticular and coeliac disease and ulcerative colitis)

And/or any other medical condition for which you have been prescribed medication or which you have received or are waiting to receive treatment (including surgery, tests, or investigations) within the last 12 months.

Anyone trying to avoid the payment may face much higher fees

Millions of people face the prospect of having to pay an extra £1,000 if they want to take a holiday abroad in 2026.

One in five people on NHS waiting lists plan to holiday abroad without travel insurance, according to a recent survey, risking falling ill overseas and incurring hefty healthcare fees. There are currently more than 7.1million adults waiting for consultant-led treatment – and a further 1.7million waiting for a diagnosis – with many unable to take out insurance policies due to the high cost.

Of the 95% who are on, or have been on, a waiting list in the last three years and refuse to miss their holiday, 15% have paid up to £1,000 extra to ensure they’re protected. Many insurers keep their premiums low by not covering existing medical conditions, meaning patients on waiting lists with potentially serious conditions will need to take out specialist cover.

Those waiting for a condition to be diagnosed will find it particularly difficult to find appropriate travel insurance – and one in four plan to holiday without the correct cover. One in 20 currently waiting to be seen by the NHS have found accessing specialist travel insurance so difficult, or so expensive, they haven’t holidayed abroad because of it.

The poll of 2,034 adults commissioned by Wellsoon from Practice Plus Group found adults with hernias are the most likely to holiday without the correct cover, followed by those with cancer. The hardest conditions to find insurance for are heart or blood pressure issues followed by musculoskeletal issues including arthritis, hip or knee pain, back pain, neck or shoulder pain.

A spokesperson for Practice Plus Group said: “It’s a story we hear regularly from people who have a health issue they want to be addressed before they go on holiday, but they’re on a waiting list. They’re worried about going away when they’re in limbo, potentially needing to seek medical help a long way from home and not knowing how much it might cost.

In April 2021, the Financial Conduct Authority introduced new requirements to help consumers with more serious pre-existing medical conditions (PEMCs) better navigate the travel insurance market. Firms that sell travel insurance are required to signpost consumers to one of two directories of specialist firms that provide this type of insurance – one of which is the MoneyHelper directory, provided by the Money and Pensions Service.

A spokesperson from the Money and Pensions Service, which provides a directory of specialist firms that offer travel insurance for pre-existing conditions, said: “If you have a pre-existing health condition you must disclose this to your insurer. Otherwise, when you come to make a claim, it could be rejected.

“Depending on your circumstances, you may be asked to complete a medical exam. This will allow insurance providers to tailor your travel insurance policy to cover your needs. Taking specialist medical travel insurance will give you peace of mind that your medical condition is covered in the event of a claim.

“Our MoneyHelper service provides contact details of companies which specialise in this.”