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Traveling is a fun and exciting experience. It allows you to explore new places, try different foods, and meet new people. However, traveling can also be risky, especially if you have pre existing medical conditions. In such cases, getting travel insurance is essential to ensure that you can enjoy your trip without worrying about medical expenses.
What are Pre-Existing Medical Conditions?
A pre existing medical condition is any illness or injury that you have been diagnosed with or received treatment for before buying travel insurance. This includes chronic diseases such as diabetes, heart diseases, and cancer, as well as acute illnesses such as pneumonia and asthma.
Why Do You Need Travel Insurance for Pre Existing Medical Conditions?
Travel insurance for pre existing medical conditions provides coverage for medical emergencies, including hospitalization, surgery, and other medical expenses related to your pre existing condition. Without travel insurance, you may end up paying thousands of dollars in medical bills if you were to fall sick or get injured while traveling.
What Does Travel Insurance for Pre Existing Medical Conditions Cover?
Travel insurance for pre existing medical conditions typically covers:
- Emergency medical treatment related to your pre existing condition
- Hospitalization and surgery expenses
- Emergency medical evacuation and repatriation
- Accidental death and dismemberment
- Trip cancellation or interruption due to your pre existing condition
- Lost, stolen or damaged luggage and personal belongings
How to Get Travel Insurance for Pre Existing Medical Conditions?
When buying travel insurance, be sure to disclose all your pre existing conditions to the insurer. The insurer will then evaluate your health condition and determine the level of coverage you need. In some cases, the insurer may require you to undergo a medical examination or provide medical reports from your doctor.
What are the Exclusions of Travel Insurance for Pre Existing Medical Conditions?
Travel insurance for pre existing medical conditions usually has exclusions, such as:
- Conditions for which you have not received medical treatment or diagnosis
- Pre existing conditions that have not been declared to the insurer
- Travel against medical advice
- Conditions arising from drug or alcohol abuse
- Injuries sustained while participating in high-risk sports or activities
Conclusion
Travel insurance for pre existing medical conditions is a must-have for anyone with a pre existing condition. It provides peace of mind and protects you financially against unexpected medical expenses while traveling. Be sure to choose the right policy that best fits your needs and budget, and always read the fine print, including the exclusions, before buying.
| Question | Answer |
| What is a pre existing medical condition? | A pre existing medical condition is any illness or injury that you have been diagnosed with or received treatment for before buying travel insurance. |
| Why do I need travel insurance for my pre existing condition? | Travel insurance for pre existing medical conditions provides coverage for medical emergencies, hospitalization, surgery, and other medical expenses related to your pre existing condition. |
| What does travel insurance for pre existing conditions cover? | Travel insurance for pre existing medical conditions typically covers emergency medical treatment, hospitalization, emergency medical evacuation and repatriation, accidental death and dismemberment, trip cancellation or interruption, lost, stolen or damaged luggage and personal belongings. |
| How do I get travel insurance for my pre existing condition? | When buying travel insurance, disclose all your pre existing conditions to the insurer. The insurer will evaluate your health condition and determine the level of coverage you need. |
| What are the exclusion of travel insurance for pre existing conditions? | Travel insurance for pre existing medical conditions usually has exclusions, such as conditions for which you have not received medical treatment or diagnosis, travel against medical advice, etc. |
| Is it expensive to get travel insurance for pre existing conditions? | Travel insurance for pre existing medical conditions may be more expensive than regular travel insurance due to the higher risk involved, but it is worth the investment considering the potential medical expenses you may incur when traveling. |