Not everyone is lucky enough to be 100% healthy, and this is something travel insurance providers need to consider before issuing you with an insurance policy. The ease of getting travel insurance with medical conditions depends very much on what condition you have. Read on to find out more?
What Are Pre Existing Conditions?
A pre existing condition is a medical condition which has existed prior to you purchasing an insurance policy.
Most insurance companies define a pre existing condition as being one or all of the following:
- Pregnancy
- Any condition that is currently or has been looked into or treated by a health professional at any time before taking out the policy
- Any condition that you are aware of
- Any condition which you are aware of symptoms of
- Any condition for which you have to take medicine prescribed by a doctor
- Any condition which you have had to have surgery for
- Any condition which you see a medical practitioner for
Which Pre Existing Conditions Are Covered?
Asthma is covered under most standard insurance policies.
You may be surprised to know that many pre existing conditions are automatically covered by standard travel insurance policies. Controlled conditions such as asthma, diabetes and epilepsy are often included in covered at no extra cost.
More serious conditions are often not covered by any travel insurance policy. Conditions that are life threatening, such as HIV/AIDS or cancer are rarely covered by any policy. If you are pregnant and considering traveling, be sure to check your insurance policy very carefully. Most travel insurance policies offer very limited cover for pregnant women.
For less common conditions it varies from company to company. Some companies cover very few conditions, while others have a lot of options for travel insurance with medical conditions. There are a huge number of insurance providers, so don?t be afraid to call around.
How much extra will it cost me?
Once again this varies from company to company, but most pre existing medical conditions will not cost you a lot more than a standard policy. Always shop around ? contact a few insurance providers to get a good idea of the standard cost for your condition.
Do I have to declare my pre existing condition?
We do recommend declaring any pre existing medical conditions when you are taking out travel insurance. Although it is possible to get away with not declaring, travel insurance companies are smart and know which medical conditions are likely to have been pre existing. The result of this will be a reduced payout, or perhaps no payout at all. In our opinion, it?s not worth the risk.
We hope these tips help to make taking out travel insurance with medical conditions easier, and to make your trip safer and more stress-free. Checkout more essential advice on Travel Health or our information on Travel Safety.
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