Travelling is one of the best ways to unwind and take a break from the daily grind. It is a way to explore new places, learn about different cultures and meet new people. However, travelling can also be risky, especially if you have a pre existing medical condition. A pre existing condition is any health condition that existed before you enrolled in a travel insurance policy. It can range from minor allergies to serious health conditions like diabetes, heart disease or cancer.
What is Pre Existing Condition Travel Insurance?
Pre existing condition travel insurance is a type of travel insurance that provides coverage for people who have a pre existing medical condition. It covers you for unexpected medical emergencies that arise during your trip, such as hospitalization, medical treatment, or evacuation. It is important to note that pre existing condition travel insurance does not cover regular medical care or treatment for your pre existing condition.
Most travel insurance policies exclude coverage for pre existing medical conditions, which means that you may not be able to get travel insurance at all, or the coverage may be limited. However, some insurance companies offer pre existing condition travel insurance that provides coverage for these conditions, subject to certain conditions and exclusions.
Why is Pre Existing Condition Travel Insurance Important?
If you have a pre existing medical condition, it is important to get pre existing condition travel insurance because it provides coverage for unexpected medical emergencies. Travelling without adequate travel insurance can be risky, especially if you have a pre existing condition. If you experience a medical emergency during your trip, you may have to pay for the medical treatment yourself, which can be very expensive.
Pre existing condition travel insurance also provides peace of mind and allows you to enjoy your travels without worrying about potential financial stress if something were to go wrong. With appropriate travel insurance, you can focus on exploring new places and enjoying your trip without worrying about the financial implications if something were to go wrong.
What Does Pre Existing Condition Travel Insurance Cover?
Pre existing condition travel insurance policies vary from company to company, but most policies cover the following:
Coverage |
Description |
Emergency Medical Expenses |
Covers the cost of medical treatment, hospitalization, and related expenses in case of an unexpected medical emergency. |
Emergency Medical Evacuation |
Covers the cost of emergency medical evacuation to the nearest hospital or medical facility in case of a medical emergency that cannot be treated locally. |
Trip Cancellation |
Covers the cost of cancelling your trip due to a pre existing medical condition, subject to certain conditions and exclusions. |
Trip Interruption |
Covers the cost of interrupting or cutting short your trip due to a pre existing medical condition, subject to certain conditions and exclusions. |
Pre Existing Medical Condition Coverage |
Covers the cost of medical treatment or hospitalization related to your pre existing medical condition, subject to certain conditions and exclusions. |
What Are the Exclusions?
Pre existing condition travel insurance policies have exclusions, which means that certain conditions are not covered. These exclusions vary from policy to policy, but most policies exclude coverage for the following:
- Pre existing medical conditions that are not declared
- Medical conditions that are not stable
- Medical conditions for which you have received treatment or advice in the last 6 months
- Medical conditions that have caused hospitalization or cancellation of travel plans in the past
- Medical conditions related to drug or alcohol abuse
- Medical conditions related to mental illness
- Medical conditions related to pregnancy or childbirth
How to Get Pre Existing Condition Travel Insurance?
You can get pre existing condition travel insurance online or through a travel insurance agent. When applying for pre existing condition travel insurance, you will be required to provide information about your pre existing medical condition, including the name of the condition, the date of diagnosis, and the treatment received so far. You may also be required to provide medical reports and test results, depending on the severity of your condition.
The cost of pre existing condition travel insurance varies depending on the age, health status, and destination of the traveler, as well as the level of coverage required. It is important to compare different policies and insurance providers to find the best deal and coverage that meets your specific needs.
FAQ
What is a pre existing medical condition?
A pre existing medical condition is any health condition that existed before you enrolled in a travel insurance policy.
Do all travel insurance policies cover pre existing medical conditions?
No, most travel insurance policies exclude coverage for pre existing medical conditions. However, you can get pre existing condition travel insurance that provides coverage for these conditions, subject to certain conditions and exclusions.
Why is pre existing condition travel insurance important?
If you have a pre existing medical condition, it is important to get pre existing condition travel insurance because it provides coverage for unexpected medical emergencies. Travelling without adequate travel insurance can be risky, especially if you have a pre existing condition.
What are the exclusions of pre existing condition travel insurance?
Pre existing condition travel insurance policies have exclusions, which means that certain conditions are not covered. These exclusions vary from policy to policy, but most policies exclude coverage for medical conditions that are not declared, medical conditions that are not stable, medical conditions for which you have received treatment or advice in the last 6 months, medical conditions that have caused hospitalization or cancellation of travel plans in the past, medical conditions related to drug or alcohol abuse, medical conditions related to mental illness and medical conditions related to pregnancy or childbirth.
How to get pre existing condition travel insurance?
You can get pre existing condition travel insurance online or through a travel insurance agent. When applying for pre existing condition travel insurance, you will be required to provide information about your pre existing medical condition, including the name of the condition, the date of diagnosis, and the treatment received so far.
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