Posts tagged: pre-existing medical conditions

Travel Insurance with Medical Conditions

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By , July 15, 2013 2:19 pm
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If you’ve had treatment for any medical conditions in the last couple of years or have an on-going medical condition such as diabetes, asthma or depression buying the right travel insurance with these medical conditions covered is very important.

You will no longer just be able to pick the cheapest travel insurance from a price comparison site and hope that it provides the travel insurance cover you need.

If your medical conditions aren’t covered you risk facing large medical bills

Many of the very cheap travel insurance policies will exclude cover for anything related to an existing or previous medical condition completely.  Which means that if you became ill and it was related to a medical condition which you had suffered symptoms of previously you would not be covered for cancellation (if the illness prevented you from travelling), or emergency medical treatment (if you became ill whilst you were away), which could leave you seriously out of pocket.

The cost of medical treatment abroad can quickly amount to many thousands of pounds and you should be aware that if don’t have travel insurance at all, or if your travel insurance doesn’t cover your existing medical conditions you would be liable to pay these costs yourself.

Travel insurance providers need to know your medical history – Why?

The primary reason for buying travel insurance when you travel overseas is to protect you against the cost of unplanned medical treatment if you fall ill or have an accident whilst you are away.

It is for this reason that buying travel insurance is similar to buying private medical insurance – in order for a travel insurance provider to fully cover you for medical treatment whilst you are on holiday they will need to know about your medical history.

If you don’t give your travel insurance provider an accurate picture of health, by declaring any existing medical conditions, you could find that your travel insurance is invalid just when you need it most.

There are many travel insurance providers who will cover mild medical conditions such as asthma, diabetes and high blood pressure and a smaller number of specialist travel insurance providers who can cover more severe medical conditions such as heart conditions and cancer.

To ensure that your travel insurance covers your medical conditions you will need to declare your medical conditions when you get a travel insurance quotation. Make sure that you read all of the information carefully as it is your responsibility to answer the questions fully and accurately.

Getting travel insurance with medical conditions covered shouldn’t be difficult, but it will take a bit more time to make sure that you have listed all of your medical conditions correctly.

To make life easier some price comparison sites are now comparing travel insurance for medical conditions, to get the right quote look out for a link to travel insurance for pre-existing medical conditions or make sure you answer ‘yes’ if you are asked about medical conditions, this will then take you a slightly different process from the standard, where you will be asked to list your medical conditions.

Remember, it is extremely unlikely that any medical conditions you have or have previously had will be covered your travel insurance unless you declare them.  If you haven’t been asked about your medical conditions when you buy travel insurance you should assume that there is a full exclusion for existing medical conditions in place.

Search on Google for travel insurance with medical conditions to find travel insurance providers who will be able to provide travel insurance with your medical conditions covered.

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