Travel insurance wording

[Nomorevape]

I have an annual family travel insurance policy that we thankfully haven’t had to make use of in the 5 years I’ve been paying it.
It’s very cheap (under £40 for the whole family).
I’ve just had the renewal email and read the wording:

‘We would like to remind you that your chosen policy will continue to provide cover as long as you, or anyone you wish to insure on this policy, are not:

• waiting to receive, or have received, any medical treatment (including prescribed medication, surgery, tests or investigations) within the last 2 years; or
• currently aware of any reason that may cause you to claim (such as suffering symptoms not yet discussed with a doctor or the health of relatives or other third parties which may cause the cancellation or the cutting short of a trip)

If either of these circumstances apply, please contact us. If we have not been made aware of changes to the health of the people named on your policy, your insurer could treat it as if it never existed, or refuse a claim or not pay a claim in full.

Does this mean I need to contact them about every doctors visit we’ve had in the last 2 years?!

there haven’t been many but from memory :
ear infection
mole check
shoulder pain
hayfever

and would one person’s missed medical information impact another family member’s claim?

They can and will likely refuse a claim if they can link it to knowledge of a pre-existing condition.

If one family members pre existing condition meant a holiday had to be cancelled for all then any claim would also.likely be rejected.

Yes I get that but could they reject a claim for a broken leg if we hadn’t disclosed hayfever medication for example?!

Yes, they will look for any excuse to weasel out if a claim. Declare EVERYTHING. I was refused insurance last year because I was waiting to see ENT, but as soon as I'd been seen and told nothing to do, I could get insurance.