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Travel insurance is essential for anyone planning a trip abroad. It offers protection against unforeseen circumstances such as lost luggage, cancelled flights, and medical emergencies. However, for those with pre existing medical conditions, finding suitable travel insurance can be a challenge. This article will provide information on travel insurance for pre existing medical conditions.
What are pre existing medical conditions?
Pre existing medical conditions are health conditions that existed before you took out travel insurance policy. These can include chronic illnesses such as diabetes, heart disease, cancer, or any other ongoing condition that requires regular treatment or medication. It is important to declare any pre existing medical conditions when purchasing travel insurance as failure to disclose these could result in your policy being invalidated.
What should I look for in travel insurance for pre existing medical conditions?
When looking for travel insurance for pre existing medical conditions, it is important to ensure that the policy covers all your medical needs. Look for policies that offer adequate coverage for medical expenses, emergency medical care, and repatriation back to your home country. It is also advisable to check whether the policy provides cover for any new medical conditions that may arise during your trip.
How do I declare my pre existing medical conditions?
When purchasing travel insurance, you will be asked to fill out a medical declaration form. This form will ask you to declare any pre existing medical conditions, provide details of your medication, and any other relevant medical information. It is important to fill out this form truthfully and accurately to ensure that your policy is valid.
Can I still get travel insurance if I have pre existing medical conditions?
Yes, you can still get travel insurance if you have pre existing medical conditions. However, the premium for your policy may be higher than someone without pre existing medical conditions. It is important to shop around and compare policies from different providers to find the best deal for your needs.
What if I do not declare my pre existing medical conditions?
If you do not declare your pre existing medical conditions when purchasing travel insurance, your policy may be invalidated. This means that if you require medical treatment for your pre existing condition while on your trip, your insurance will not cover the cost of any medical expenses or repatriation back to your home country.
Conclusion
Travel insurance is essential for anyone planning a trip abroad. If you have pre existing medical conditions, it is important to declare these when purchasing travel insurance to ensure that your policy covers all your needs. Shop around and compare policies from different providers to find the best deal for your needs. Don’t forget to fill out your medical declaration form truthfully and accurately to ensure that your policy is valid.
Q: What are pre existing medical conditions?
A: Pre existing medical conditions are health conditions that existed before you took out travel insurance policy. These can include chronic illnesses such as diabetes, heart disease, cancer, or any other ongoing condition that requires regular treatment or medication.
Q: Can I still get travel insurance if I have pre existing medical conditions?
A: Yes, you can still get travel insurance if you have pre existing medical conditions. However, the premium for your policy may be higher than someone without pre existing medical conditions.
Q: What should I look for in travel insurance for pre existing medical conditions?
A: When looking for travel insurance for pre existing medical conditions, it is important to ensure that the policy covers all your medical needs. Look for policies that offer adequate coverage for medical expenses, emergency medical care, and repatriation back to your home country.