Why you should always declare your pre-existing medical conditionsGet a quote now
There are an array of options out there for you
If you are planning a trip and are not sure if you will be covered due to pre-existing medical conditions, there are an array of options out there for you, you just need to ensure that you declare this upfront.
What are pre-existing medical conditions
Pre-existing medical conditions are illnesses or injuries that exist before you take out a travel insurance policy, they include chronic diseases, such as hypertension, respiratory diseases and diabetes as well as any diseases that you may be receiving treatment for, such as cancer. Mental health conditions such as depression and anxiety may also fall under pre-existing conditions. There are specialized policies designed to the meet additional needs of individuals with pre-existing conditions, this may save you money and put your mind at east so you can enjoy your travels.
When applying for travel insurance, you will be asked of you have any medical conditions or a medical history. At this point, it is important to disclose all relevant information, otherwise your policy may be invalid against any medically related claims you make while you are on your trip.
Will I still get insurance cover if I have a pre-existing condition?
Once you have disclosed all information about your condition, you will most likely be offered with various options. You may get full cover on standard terms if the insurer deems your condition as lower risk and under control. Otherwise, you may receive cover which excludes your medical condition or be liable to pay a higher excess if you were to claim. Some insurers give the option of covering the pre-existing condition at a higher premium.
It is recommended that you compare options from different insurance policies to save you money and check out different coverage levels and benefits which could make your trip run smoother. There are many different options available to suit the needs of a range of different conditions. The first step is to compare what is out there and always disclose your medical history.
Travelling to another country is an exciting prospect. Being away from home with no coverage of your medical needs, should anything unfortunate happen to you can quickly turn a fun holiday into a stressful nightmare. Getting travel insurance when you have a medical condition does not have to cost you an arm and a leg. Take the first step and compare what is available, you might be pleasantly surprised!
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