Travel Insurance

Travel insurance for pre-existing medical condition

Getting a travel insurance plan at the cheapest possible price is not easy if you have pre-existing medical conditions.

Don’t sweat yet. It is difficult but not impossible.

Here is our complete guide to 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 arise due to the pre-existing condition, they will be considered as pre-existing. Some of few pre-existing conditions can be asthma, diabetes, cancer, any heart condition, blood pressure, stroke or central nervous system disorder, psychological conditions (diagnosed or treated) etc.

Why do you need travel insurance?

Travel insurance is important as it covers unforeseen risks and circumstances you may face during your trip abroad.

If you have a travel insurance against your name, you are guaranteed a peaceful holiday. You don’t have to worry about your medical expenses if something untoward happens.

If you have pre-existing medical conditions you must go to travel insurance companies who cover pre-existing medical conditions as part of their policies.

If you or any of your travel companions have a pre-existing condition, you can find travel insurance policy which will fit the bill by declaring it well in advance.

Medical screening

You may have to go for medical screening to ascertain your pre-existing medical condition.

Your insurance company will ask several detailed and very personal questions related to your medical condition. These questions can be related to your mental and physical condition.

It may be not a very pleasant experience for you but it will help you to find the right insurance plan for your specific needs.

Once you complete medical screening, your insurance company may offer you a standard travel insurance plan depending on type and severity of your condition.

For certain pre-existing conditions, they can offer you travel insurance for a high price. In some case, they may even refuse.

Recommended Reading: Best advice for backpackers travel insurance plans

Things not to forget

Few things that you should keep in mind while identifying your travel insurance –

1. If you are traveling to places where healthcare is 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 expensive. Getting a travel insurance plan for such destinations can be 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 considered fraud as well. That’s why we suggest you 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, the insurance company will be able to determine the best travel insurance plan for you.

4. Travel insurance plans with pre-existing medical conditions are slightly more expensive than normal travel insurance plans. Therefore, you must research and compare between various plans available in the market before purchasing one.

5. Cost of your travel insurance plan with existing conditions will depend on how severe your condition is and where are you traveling. If your condition is not severe 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 an increasingly high premium and maybe excess charges on the claim.

7. When your insurer asks you if you have recently been in a hospital, or on medication, or had consultation related to your pre-existing condition, then the time frame referred to is ‘last two years’.

8. If you have a long-term medical condition like 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. Read all the documents, terms and conditions carefully before buying travel insurance policy.

Recommended Reading
1. How to buy cheap and best travel insurance
2. Group travel insurance plans
3. Find out what your travel insurance won’t cover
4. Travel insurance for winter sports holidays
5. Travel insurance for 70+ aged travelers