Travel Insurance with Medical Conditions

Travelling is an exciting and thrilling experience, but it can be stressful, especially for those with pre-existing medical conditions. There is a risk of falling sick, getting injured or requiring emergency medical attention while travelling. These unexpected occurrences can be costly, making travel insurance with medical conditions even more important.

What is Travel Insurance with Medical Conditions?

Travel insurance with medical conditions is a type of insurance policy designed for individuals who have pre-existing medical conditions. It provides cover for medical expenses, emergency medical treatment and repatriation back to their home country if needed.

Many standard travel insurance policies exclude cover for pre-existing medical conditions. However, travel insurance with medical conditions covers travellers who require cover for a wide range of medical conditions, such as diabetes, high blood pressure, heart conditions, cancer, and more.

Who Needs Travel Insurance with Medical Conditions?

Anyone with a pre-existing medical condition who intends to travel should consider purchasing travel insurance with medical conditions. This type of travel insurance provides financial protection in case of medical expenses that may arise, especially when receiving medical treatment outside of one’s home country.

Without travel insurance with medical conditions, travellers risk facing hefty medical bills or even being denied medical treatment in some countries. It is, therefore, essential to have this type of insurance cover for peace of mind and worry-free travelling.

What Does Travel Insurance with Medical Conditions Cover?

Travel insurance with medical conditions covers a wide range of medical expenses, including:

What Are the Benefits of Travel Insurance with Medical Conditions?

The following are the benefits of travel insurance with medical conditions:

• Peace of Mind – It provides peace of mind, knowing that medical expenses are covered in case of any incidence

• Cost Savings – Travel insurance with medical conditions is cost-effective, and it covers expenses that would be expensive to pay out of pocket.

• Covers Pre-existing Conditions – Travel insurance with medical conditions covers pre-existing medical conditions, which are not typically covered by standard travel insurance policies.

• Emergency Assistance – It provides 24/7 emergency assistance, which is vital in case of a medical emergency

• Flexibility – Travel insurance with medical conditions is flexible, and it can be tailored to suit the needs of the traveller.

How to Purchase Travel Insurance with Medical Conditions?

When purchasing travel insurance with medical conditions, it is essential to consider several factors, such as the level of cover provided, the cost of the policy, and the specific conditions covered.

The following tips can assist in finding the right travel insurance with medical conditions:

• Research – Do adequate research before purchasing travel insurance to find policies that meet your specific needs

• Compare – Compare different policies from different insurance providers to find the most appropriate policy and the best value for money

• Read the fine print – Carefully read the policy wording and understand the terms and conditions of the policy to avoid any surprises later.

FAQ

Can I Get Travel Insurance with Medical Conditions?

Yes, you can get travel insurance with medical conditions. There are several insurance providers that offer this type of insurance, and it is essential to choose the policy that suits your needs.

What Medical Conditions Are Covered by Travel Insurance with Medical Conditions?

Travel insurance with medical conditions typically covers a wide range of pre-existing medical conditions, such as diabetes, high blood pressure, heart conditions, and more. It is essential to check with the insurance provider to ensure that your specific medical condition is covered.

Is Travel Insurance with Medical Conditions Expensive?

The cost of travel insurance with medical conditions varies depending on the level of cover required, the age of the traveller, the duration of the trip, and other factors. However, it is generally more expensive than standard travel insurance policies due to the increased risk associated with pre-existing medical conditions.

What If I Fall Sick Abroad?

If you fall sick abroad, contact the emergency assistance provided by the insurance company as soon as possible. The emergency assistance team will provide guidance on what to do next, including where to seek medical attention, and they will arrange for payment of medical expenses covered by the policy.

Do I Need a Doctor’s Certificate to Purchase Travel Insurance with Medical Conditions?

Some insurance providers may require a doctor’s certificate to prove that you are fit to travel, especially if you have a pre-existing medical condition. It is essential to check with the insurance provider before purchasing the policy.

Travel insurance with medical conditions provides peace of mind, knowing that medical expenses are covered in case of any incidence. It is essential to have this type of insurance cover when travelling with pre-existing medical conditions to avoid the risk of hefty medical bills, denied medical treatment, or other unexpected occurrences. Do your research, compare policies, and read the fine print to ensure that you get the most appropriate policy and the best value for money.