'You say wellness; insurers hear illness'
Bill Wilkinson-Hoy, Which? money expert, says…It might sound counterintuitive, but your efforts to stay healthy are what’s making insurers concerned about your health.
Regular ‘wellness breaks’ that involve active medical procedures (heart monitoring, blood tests) are considered medical tourism or elective, planned treatment, rather than an unexpected, acute emergency.
And it’s not just the procedures themselves that are excluded from cover. Even if the trip is intended to be relaxing, because the primary purpose includes receiving medical monitoring/testing, it falls outside the coverage of a standard holiday policy.
From the point of view of insurers, regular monitoring may indicate an ongoing, pre-existing medical condition.
Not declaring any such condition gives insurers further cause for concern, even though they could simply decline any claims that are made for undeclared pre-existing conditions.
You’ve told your insurer, but other readers travelling for treatment or monitoring who haven’t told their insurer should be aware that it can decline claims.
Other readers who have pre-existing medical conditions, but are travelling for leisure rather than treatment, should check specialist medical insurers.
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source https://www.which.co.uk/news/article/why-wont-my-travel-insurer-cover-my-wellness-break-aDP2u4N8jKIW