Asthma and allergies can void travel insurance

travel insurance application...

Failing to declare even minor medical conditions could void your travel insurance and leave you with a hefty bill of up to £45,000.

This is the warning from comparison site, which reports that more than six million people in the UK suffer from respiratory problems that could have the potential to invalidate their insurance policies if not declared.

The Financial Ombudsmen Service has said it receives as many as 45 complaints a week from holidaymakers who are unhappy with their claims being rejected by their travel insurance providers.

Some of the most common issues faced by British holidaymakers with their travel insurance have been listed below:

Search for a cheaper travel insurance quote today

As many as 40% of Brits think that conditions such as asthma and allergies do not have to be declared on a travel insurance form, however most insurers actually insist you declare such conditions even if you are no longer receiving treatment for the condition. Also, if you carry an EPI pen or suffer from anaphylaxis as a result of an allergy this should be declared.

EHIC cards
Another common mistake made by British travellers is to think that because they have an EHIC card, they do not need to buy travel insurance.

Actually the card will only cover you for the necessary medical treatment provided by the state healthcare providers- which may not always be free. Your EHIC card will not cover you for eventualities such as repatriation should you need to be flown home. You should always invest in travel insurance as well as taking your EHIC card.

Pregnancy also found the 80% of people did not realise that women should declare any previous complications they may have had during pregnancies. Although pregnancy is not classed as a pre-existing medical condition and does not need to be declared on a travel insurance policy, if you have suffered complications while pregnant in the past these will be counted as pre-existing medical conditions if you are travelling while pregnant again.

Up to 15% of people have ended up missing out on the holiday they wanted because the travel insurance quoted was too expensive. It's worthwhile shopping around and checking the prices different providers are offering before making your decision.

Beth Macer, travel insurance expert at says: "If you are prescribed medication for treating or controlling a current or previous medical condition then you need to declare the condition for which the medication is prescribed, to your insurer."

Search for a cheaper travel insurance quote today

Top 10 medical conditions travellers often fail to declare:

1) Asthma

2) High Blood Pressure

3) High Cholesterol

4) Skin Cancer

5) Heart Attack

6) Prostate Cancer

7) Blood Clots

8) Depression

9) IBS

10) Breast Cancer

Top Ten Weirdest Holiday Home Insurance Claims
See Gallery
Asthma and allergies can void travel insurance

The owner of a holiday home in Spain returned to inspect his property after he had let it to a group of young people in their 20s for two weeks, to find that they had created an indoor beach including sand and water to emulate the sea. The youngsters explained that the local beach “hadn’t lived up to their expectations”.

A slightly oblivious swan didn’t see what was coming his way. It was flying happily through the air, completely unaware of a set of high voltage power cables in its flight path which it duly hit. The swan had the shock of its life and dived straight for the roof of a holiday home underneath, crashing through the roof and leaving a massive hole in need of fixing.

At a holiday home in France, a cow walked over a swimming pool cover. As the cow was considerably heavier than the cover could hold, the cover broke and the unsuspecting cow took an involuntary dip in the pool; resulting in considerable damage to the pool and the need for a winch to rescue the distraught bovine.

Holiday guests staying in a Spanish property moved items of furniture from inside the holiday home they were renting, including a sofa, single bed and chest of drawers, into the shallow end of the swimming pool. The guests had been under the influence of alcohol when they’d decided to rearrange the furniture in such a way and claimed they "couldn’t remember" why they had done it.

A particularly passionate couple managed to not only badly scratch the wooden floor of their bedroom by causing the bed to move vehemently, but also caused the bed to break, as well as the bedside lamp and bedside table. The couple explained that all damage had been caused during one session of lovemaking and they apologised profusely.

Following a rental, a holiday home owner made a gory discovery; he found blood splattered all over carpets and walls. After further investigation, he discovered a makeshift cardboard coffin containing a pig’s head in the bin, suggesting that a sacrifice had taken place at his property.

A young couple tried to pursue a claim against the owner of their holiday apartment in Spain on the basis that both bed sheets and towels were "too hard" and caused scratches and irritations on the skin, which prevented them from using the pool and sunbathing comfortably.

A holiday cottage in Devon needed completely redecorating after the holiday guests had decided to have an indoor barbecue on the flagstone floor, as ‘the weather didn’t allow for having it outside’.

One unsuspecting holiday property owner in Italy was shocked to find out that his house had been turned into a brothel by his guests during a four week rental period, resulting in the need for a deep clean and replacement of soft furnishings.

A lady in her late 30s from Manchester sought compensation from the owner of her holiday home in Marbella as the gravel on the driveway "had wrecked" four pairs of her designer stilettos and forced her to replace them with new ones.


More on AOL Money

Over 50s risking financial shock on holiday​

Prague is best value for family holiday​

Banks ruin holidays by refusing cards

Is Travel Insurance Necessary?
Read Full Story