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Travelling is an exciting adventure that many people look forward to. However, accidents and illnesses can happen anytime and anywhere, even while travelling. Medical treatment in foreign countries can be expensive, and without travel insurance, you are putting yourself at risk of incurring hefty medical bills.
If you have a pre-existing medical condition, getting travel insurance can be challenging. Many insurance companies hesitate to cover individuals with pre-existing conditions because they are considered a higher risk. However, there are still options for those who require travel insurance with pre-existing medical conditions.
What is a Pre-existing Medical Condition?
A pre-existing medical condition refers to any illness or injury that you have received treatment for or been diagnosed with in the past. This can include chronic illnesses such as diabetes, asthma, or high blood pressure, as well as previous injuries or surgeries.
It is essential to disclose any pre-existing medical conditions to your travel insurance provider to ensure that you are adequately covered. Failing to disclose pre-existing conditions can result in voiding your insurance coverage in case of a medical emergency.
Types of Travel Insurance with Pre-existing Conditions Coverage
Full Coverage
Full coverage travel insurance policies will cover you for all medical expenses, including those related to pre-existing conditions. However, getting full coverage can be challenging, as many insurance companies exclude pre-existing medical conditions from their policies.
Medical Screening
Medical screening is a process where the insurance company assesses your current medical condition to determine the risk level. Based on the assessment, the insurance company may offer you coverage for your pre-existing condition, but at a higher premium.
Medical Underwriting
Medical underwriting is a more in-depth assessment of your medical conditions. The insurance company will review your medical history and offer coverage options based on your health status. You may need to provide medical reports and documentation to complete the process. Coverage options may include cover for pre-existing medical conditions but might come with a higher cost.
Factors to consider when buying Travel Insurance with Pre-existing Medical Conditions
Pre-existing Condition Coverage
Check with the insurance company if they cover pre-existing conditions, and if so, what specific conditions are covered.
Policy Limits
Policy limits refer to the maximum amount of coverage that the insurance company provides. Make sure that the policy limit is sufficient to cover your medical expenses in case of an emergency.
Deductibles
Deductibles refer to the amount that you need to pay before the insurance coverage kicks in. Make sure that the deductible is reasonable and that you can afford it in case of a medical emergency.
Policy Exclusions
Policy exclusions are specific circumstances that your insurance will not cover. Make sure that you are aware of the policy exclusions to avoid any surprises when making a claim.
Conclusion
Travelling with a pre-existing medical condition can be daunting, but it shouldn’t stop you from exploring the world. Getting travel insurance with pre-existing conditions may require a little effort, but it is worth the investment in case of a medical emergency. By considering the factors listed above, you can find an insurance policy that suits your needs and gives you peace of mind while travelling.