Travelling is an incredible way of exploring new cultures, making great memories and experiencing life-changing events. However, when you suffer from an existing medical condition, it can be challenging to find adequate travel insurance coverage to protect you while you’re away. In this article, we will explore what travel insurance for existing conditions entails, the benefits and limitations, and how to choose the best policy for your needs.
What is Travel Insurance for Existing Conditions?
Travel insurance for existing conditions is an insurance product designed for people with pre-existing medical conditions who want to travel. It is essential to declare any pre-existing medical conditions when taking out a travel insurance policy, as failure to do so can invalidate any claims you may make. This type of insurance provides extra protection and covers any medical emergencies that may arise due to your pre-existing conditions while on your trip.
Benefits of Travel Insurance for Existing Conditions
One of the main benefits of travel insurance for existing conditions is the peace of mind it provides. You won’t have to worry about unexpected medical expenses or emergency medical care while travelling. Other benefits include:
- Cover for medical expenses
- Cover for emergency medical evacuation
- Cover for trip cancellation or interruption
- Cover for lost or stolen luggage
- 24/7 medical assistance services
Limitations of Travel Insurance for Existing Conditions
Travel insurance for existing conditions comes with certain limitations that you must be aware of before purchasing a policy. These limitations include:
- Higher premiums than standard travel insurance policies
- Exclusions for certain medical conditions
- Lower coverage limits than standard travel insurance policies
- Exclusions for pre-existing conditions that are not declared
- Requirement for medical clearance before travelling
How to Choose the Best Travel Insurance for Existing Conditions
Choosing the best travel insurance for existing conditions can be a daunting task. Here are some tips to help you choose the right policy:
- Declare all your pre-existing medical conditions
- Compare policies from different insurance providers
- Check the coverage limits and exclusions
- Read the policy wording carefully
- Consider the level of medical assistance services offered
- Check if the policy covers your planned activities
FAQ
Question | Answer |
---|---|
Do I have to declare all my pre-existing medical conditions? | Yes, it is essential to declare all your pre-existing medical conditions when taking out travel insurance for existing conditions. |
What medical conditions are excluded from travel insurance for existing conditions? | Exclusions vary between insurance providers, but generally, conditions that require ongoing treatment or medication may be excluded from coverage. |
Can I purchase travel insurance for existing conditions if I am already travelling? | No, you must purchase travel insurance for existing conditions before you depart on your trip. |
What happens if I don’t declare my pre-existing medical conditions? | If you fail to declare your pre-existing medical conditions when taking out a travel insurance policy, any claims you make related to those conditions may be rejected. |
Can I purchase travel insurance for existing conditions if I am over 65 years old? | Yes, many insurance providers offer travel insurance for existing conditions to people over 65 years old. |
Conclusion
Travelling with pre-existing medical conditions requires additional protection, which is why travel insurance for existing conditions is crucial. It provides peace of mind, covers any unexpected medical expenses and offers emergency medical assistance when needed. By comparing policies from different insurance providers, declaring all your pre-existing medical conditions and carefully reading the policy wording, you can choose the best travel insurance for your needs and enjoy your trip without any worries.