When you’re planning an international holiday, you will want to take out a travel insurance policy before leaving on your flight or the train. A travel insurance policy will cover your medical and many of your travel expenses if you become ill or are injured while on holiday. However, if you have a pre-existing medical condition, you will need to declare it when you buy a policy, because some pre-existing conditions may keep you from qualifying for travel insurance.

Declaring Pre-Existing Conditions

When applying online for a travel insurance policy, you will need to fill out a questionnaire about your health. You will be asked if you have any pre-existing medical conditions, and if you do, you need to declare what conditions you have. If you don’t declare your pre-existing medical conditions and they are discovered in the course of being treated for an illness or after an accident, your insurance policy could be invalidated and you would be responsible for paying all your medical expenses.

Some of the pre-existing medical conditions that can affect your ability to buy medical travel insurance include:

  • Type 1 and Type 2 Diabetes
  • Cancer diagnosis, even if in remission
  • Heart-related conditions
  • Respiratory conditions
  • Epilepsy

Even if you have a medical condition that is under investigation, it can affect your ability to buy a medical travel insurance policy. However, if you cannot purchase a regular policy due to having a pre-existing condition, many companies offer add-on policies specifically to cover people who have a pre-existing medical condition. You can purchase one of these policies to help cover any medical expenses you may have on holiday, as well as cover some travel expenses if you are forced to cut your holiday short due to an accident or illness.

Buying Insurance with Pre-Existing Conditions

Some medical travel insurance companies will not provide cover for people with pre-existing medical conditions, or they may require that you purchase an additional policy to cover your medical expenses. Even though the additional price of the cover for pre-existing conditions will increase the cost of travel insurance, it is worth the cost to have your medical expenses covered. When trying to find policies that cover pre-existing medical conditions, you can save time and money by obtaining a quote from Medical Travel Compared.

If you do become ill or have an accident, a medical travel insurance policy will cover the costs of visiting a doctor, going to an emergency room at a hospital, and the costs of hospitalisation if it is required. If your medical condition is serious enough to send you home, then your policy will cover the expenses for transferring you from the hospital where you are on holiday to a hospital near your home.

Purchasing medical travel insurance for pre-existing conditions can help save you thousands of pounds if you do have an accident or fall ill during your holiday. It will ensure that you won’t go broke paying medical expenses, and it can help ensure that you get home safely if your condition is serious.

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Adrian Grant

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