The Key Elements of Great Travel
It can be a challenge to find travel insurance for someone with a pre-existing condition especially if it is considered relatively serious. The good thing is that you can still get travel insurance despite have a pre-existing condition, and the rates on these policies will depend much on the nature of your condition.
If a person being insured has heath problems it will pose a great risk for insurance companies since that person will possibly need medical care when traveling. This makes the insurance company either exclude the condition or they charge a higher rate for providing the coverage.
Let us first define what pre-existing condition means. A medical condition, present or past, that has been previously diagnosed is a pre-existing condition, and this includes diseases that have already been cured. Furthermore, if you have symptoms of an illness, even if it has not been diagnosed, can be considered a pre-existing condition when you are buying travel insurance.
There are many types of sicknesses classified under pre-existing conditions including chronic health problems like asthma or acute disease like infections. Either these conditions are excluded from coverage or the insurance company will charge you a higher premium on the policy if these conditions were present before the issuance of the policy.
To save on your travel insurance policy, you can get one that excludes pre-existing conditions. So, if you have a pre-existing condition prior to the issuance of the policy and you opt for exclusion, then you will not be provided coverage for medical bills associated with that condition. Depending on the nature of your condition, exclusion would be a good option. If you are a cancer survivor then you can opt for excluding of your pre-existing condition. Since you are very sure that you will not need medical attention for your cancer, then you can take the policy that excludes cancer and not pay a high premium. This option of exclusion helps you get a lower premium than if it had been included in the policy.
This shows us that it depends on the status of your pre-existing condition whether it is best to opt for exclusion or not. However we cannot remove the risk factor and if you can tolerate risk, then you can go for exclusion.
Don’t keep your pre-existing conditions from your insurance company since you can lose your coverage if you experience a health issue while traveling and they find out about your pre-existing condition. If upon examination of your medical files your pre-existing condition is discovered, then your insurance company can exclude that condition.
Most standard insurance policies include the pre-existing condition clause and with this you are provided a large selection of policies and prices.
In case your medical condition requires medical treatment during your travels, then you should get travel insurance coverage without exclusion. You will have a very high premium cost if you apply for travel insurance without exclusion.