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Most insurance companies will not give you a quote if you can answer ‘yes’ to any of these questions:
Have you or any of the other people to be named on the policy ever been refused travel insurance or had any terms imposed?
Have you or any of the other people to be named on the policy suffered from any serious or recurring illness?
Are you or any of the other people to be named on the policy aware of any reason why a planned holiday will be cancelled or cut short?
Are any personal or family trips for business purposes?
Is there anyone on whom your journey depends (whether travelling or not) who suffers from any chronic or recurring illness which may lead you to cancel or cut short your holiday?
Are you are resident in the UK?
Some policies also exclude those people aged over 65.
In these circumstances, specialist insurance may be available, but will come at a higher premium.
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