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AD. A standard travel insurance plan does not include pre-existing medical conditions in its coverage. This means that with typical travel insurance pre-existing conditions are automatically excluded. They only cover unprecedented medical claims and emergencies while travelling. However, there are insurance providers that offer additional cover for pre-existing medical conditions such as heart disease, cancer, or diabetes. Yes, there is travel insurance specially designed for travellers with existing medical conditions so that when they get sick while travelling abroad, because of their current medical conditions, their health care costs will also be covered. Coverage will only be provided for conditions that the insured have declared when applying for the policy.
Pre-Existing Medical Condition Defined
A pre-existing medical condition is defined as any respiratory condition, a type of cancer or heart condition for which an individual has received treatment prior to travelling. This includes surgeries performed by a doctor within the last twelve months and any condition which allows you to take prescribed drugs or medication. It is also defined as any medical condition in which an individual has received a terminal prognosis.
Pre-existing medical conditions travel insurance usually specifies the type of condition that it covers. It may include any of the following: Attention Deficit Hyperactivity Disorder (ADHD), arthritis, gastric reflux, glaucoma, gout, Bell’s palsy, congenital blindness, and diabetes, among others.
Getting Coverage for a Pre-Existing Medical Condition
When you’re trying to get coverage for pre-existing medical conditions, some travel insurance providers do not require medical screening for specific diseases or illnesses. However, when you are required to have medical screening, you need to comply and not withhold any information. During the medical screening, travellers will be asked a number of in-depth questions and may be required to submit medical certificates. You will also be asked to list down all the names of your medical conditions. There are also certain conditions where travellers need to pay an additional premium.
Another thing to remember is that you must purchase your plan within a certain number of days after the initial trip deposit, which is typically from 14 to 21 days.
The place where you are travelling to also has a huge impact on your insurance policy for pre-existing medical conditions. For instance, there are countries such as Spain, the United States, and Canada where medical care is very expensive, and this will determine whether the provider will offer to insure you or not.
Medical costs abroad can be very expensive. Without adequate insurance to cover you while you’re on holiday or on a business trip, you will be spending a huge amount on health care. While it is not recommended that you travel when you have a diagnosed illness, sometimes there are unavoidable circumstances when you do need to travel even if you have health issues. Your current medical condition shouldn’t deter you from travelling abroad, especially when you need to do so. Now with pre-existing medical conditions travel insurance, you have peace of mind that your medical expenses will be covered while you’re on a trip.