My wife and I have several medical conditions, which when combined push the price of travel insurance right up.
I understand that if we go for a cheaper travel insurance policy, without declaring our medical conditions - and a situation arises while we're on holiday related to those medical conditions, then the insurer will naturally say that since we did not declare them, we would not be covered. I totally get that.
However my question is - what if we choose to omit our medical conditions, but then something happens completely unrelated to our health? For example, the cruise is cancelled (and they do not refund us directly). Or our luggage gets stolen. The point is, would the failure to declare medical conditions invalidate the WHOLE policy; or just those parts which wouild come into force if the claim was a medical one?
Additional: We do not foresee ANY problems arising due to our medical conditions. They are well under control. Also, we live in the UK, so medical bills for us are not an issue. I appreciate that when travelling this may not always be the case - but really, thank you for the answer so far. I have never heard of "Cancellation insurance". I just looked it up: however all results I have found so far refer to cancellation as part of the whole insurance package. I can not find any specific "Cancellation insurance" which excludes medical declarations.