Should we book the non-refundable hotel before an insurer answers about pending tests?
TravelPeople, dialogue, policies, bookings and prices are fictional. This is not a medical assessment or a coverage decision.
‘There isn't a diagnosis, so there isn't anything to declare,’ Ellis says when his partner asks about their Dublin weekend. June has been referred for tests after recurring symptoms. They have not yet bought travel insurance or booked the hotel.
Their imagined hotel quote is £360 prepaid or £420 with the cancellation terms June wants. Ellis wants the cheaper room before it disappears. June has started an insurance quote but stopped at the medical questions because she is unsure how to answer while investigations are pending. She would rather spend the extra £60 on flexibility than assume a later cancellation would be covered.
The [UK government's travel insurance guidance](https://www.gov.uk/guidance/foreign-travel-insurance) says existing conditions and pending treatment or tests should be declared, and warns that failing to declare something may invalidate cover. No diagnosis is not a reason to guess ‘no’ to questions that could apply. It does not mean every insurer will offer the same cover or that cancellation would be paid.
What should June ask the insurer before committing more money? How can the couple choose between the room rates without asking an insurance quote to answer whether she is medically fit to travel?