Getting a travel insurance plan in cheapest possible price is not easy if you have pre-existing medical conditions. It is difficult but not impossible. Travel insurance for pre-existing medical condittion is not that easy as it seems. Here is the complete guide of travel insurance plan for travelers who have pre-existing medical conditions.
What is a pre-existing condition?
A pre-existing condition is, in general terms is defined as any disease, sickness, injury, illness, or other medical, physical or mental illness which existed prior to the effective date of insurance. If any complications arises due to the pre-existing condition will also consider as pre-existing consider. Some of few conditions could be asthma, diabetes, cancer, any heart condition, blood pressure, stroke or central nervous system disorder, psychological conditions (diagnosed or treated).
Why you need travel insurance?
Travel insurance is very important as it covers unforeseen risks and circumstances you may face during your trip to abroad. If you have pre-existing conditions you must go for travel insurance companies who cover pre-existing medical conditions as part of their policies. It will insure a peaceful and sound trip to abroad as you don’t have to worry about all of your medical expenses. If you or any of your travel companions has a pre-existing condition, you can find travel insurance policy which will fit the bill by declaring it during quote process.
If you have a pre-existing medical condition you need to go through medical screening. Your insurance company will ask number of detailed and very personal questions related to your medical condition. These questions can be related to your mental and physical condition. It can be not a very pleasant experience for you or anyone but it will help you to find right insurance plan for your specific needs. Once you complete medical screening, your insurance company may offer you a standard travel insurance plan completely depending on type and severity of your condition. For certain pre-existing they can offer you travel insurance plan for much higher price and the worst case scenario will be they refuse you any insurance for your pre-existing condition at all.
Things not to forget:
Travel insurance plan with existing medical condition is much more crucial thing than it seems. Few things that you not forget while buying a travel insurance plan is:
#1 If you are traveling to such places where healthcare is very expensive then you may find it difficult to get an insurance plan which covers your pre-existing medical conditions. For instance, healthcare in USA, Spain, Cyprus, Canada, and the Caribbean is pretty expensive. Getting a travel insurance plan for such destinations could be more difficult.
#2 if you have a pre-existing condition, your travel insurance will be costlier than normal travel insurance. But it doesn’t mean that you hide your actual condition to the insurance company. In won’t be a wise thing to do. Not only it will cost you later, it is a fraud also. That’s why we suggest you to answer every question with complete honesty.
#3 Before buying a travel insurance plan you must tell about your medical condition to the insurer in full details. If you choose to hide anything, it will cost you later. By knowing your exact medical condition, insurance company will be able to determine the best travel insurance plan for you.
#4 Travel insurance plan with pre-existing medical conditions and slightly more expensive than normal travel insurance plan so, you must do the complete research and comparison between various plans available in market, before buying one.
#5 Cost of your travel insurance plan with existing conditions will depend on how sever your condition is and where are you traveling. If your condition is not sever it may get covered in a standard travel insurance policy.
#6 if you have crossed the age of 55 and you have a pre-existing condition, you will face a increasingly higher premiums and maybe excess charges on claim.
#7 when your insures ask you if you have recently been in hospital, or on medication, or had consultation related to your pre-existing condition, then the ‘recently’ referred here within the last two years.
#8 if you have a long term medical condition likes, diabetes or something and your condition is well managed then you may get ‘fit to travel’ from your insurer.
#9 Definition of ‘Fit to travel’ varies from one insurer to another. So read all the documents, terms and conditions carefully before buying travel insurance policy.