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.
A person with a medical condition is likely to need medical care when traveling and so there is greater risk for insurance companies if they will insure these types of travelers. In these cases, an insurance policy can exclude your condition or they will charge you are higher rate for coverage with your pre-existing condition.
What is a pre-existing condition? 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. If you are exhibiting symptoms of illness, it is considered pre-existing condition even it is not diagnosed, and this impacts your travel insurance as well.
Pre-existing conditions includes chronic health problems like asthma or acute diseases such as 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. This means that the policy will not provide coverage for medical bills associated with a condition that was diagnosed prior to the issuance of the policy. 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 way you don’t pay high premiums on the policy because of this pre-existing condition.
This example shows us that there are certain pre-existing condition that you can easily opt exclusion for rather than pay a high premium for coverage. 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.
You have a large selection of policies and prices if you have a medical condition since the pre-existing clause is found in almost any standard travel insurance policy.
You only buy travel insurance that offers coverage without exclusion if your health condition will really require medical treatment during your travels. The cost is high for travel insurance without exclusion since this is high risk for insurance company and so you also need to pay a very high premium.