Overview

• Declaring bipolar and personality disorder led to a premium increase of up to 1,159%, with average costs rising 715% across standard insurers.
• Only two out of seven standard insurers offered coverage for travelers with bipolar and personality disorder, compared to all five specialist providers.
• Premiums for epilepsy saw a modest average increase of 23%, while type 2 diabetes resulted in a 6% rise in costs.
• Which? reviewed policies from 12 insurers, finding significant disparities in coverage quality, with scores ranging from 19% to 88%.
• Failure to disclose pre-existing conditions risks invalidating policies, leaving travelers vulnerable to substantial financial liabilities.