A medical condition may prevent you from getting international travel insurance. Although there are travel insurance policies that are available for people with pre-existing medical conditions, these policies are not usually free. It is a smart idea to purchase insurance prior to your trip. However, you should ensure that you carefully review all details before signing up for any insurance plan. It is important to understand what your condition means for your coverage.
There are many kinds of pre-existing diseases. They can include injuries, illness, and prescription drugs. This includes things such as heart disease, kidney disease, liver disease, cancer, arthritis, and depression. Often, these conditions are in remission for years before they suddenly reappear before your trip. You will need to declare any pre-existing conditions when you purchase a plan. The insurer will use the information to determine if you qualify for coverage.
Travel insurance policies will generally cover cancellations and interruptions due to illness, injury, or other circumstances. If you have suffered a serious injury or illness, your plan will cover some of your expenses. During your trip, your insurance provider will also cover medical expenses. You may be eligible for a waiver depending on the policy. Your premium will likely be higher if there are no pre-existing conditions.
If you have a medical condition, it is best to check with your doctor before purchasing a travel insurance policy. Certain conditions such as diabetes are covered by your insurance. However, it is important to keep your blood sugar under control. Some conditions are not covered, like pregnancy. You should consider purchasing a travel insurance policy that includes a waiver for preexisting conditions if you have a medical condition.
Pre-existing Conditions are any conditions that existed before your purchase of the plan. They must have been present within 60-180 days of your travel plan's effective dates. If you have them for at least this time, you should be eligible to receive a preexisting condition waiver. Your premium for a pre-existing condition waiver will depend on the type of pre-existing condition you have and the severity of the condition.
Pre-existing conditions will be considered by many travel insurers when determining eligibility. You will be asked if you have had pre-existing conditions, whether they have been treated and if your condition has gotten worse. Your medical records may need to be submitted from the last five years depending on the company.
A pre-existing condition refers to any injury or illness that you suffered before your trip. It does not have to be a health issue. Be aware that a waiver of benefits will prevent your travel insurance from paying for medical costs if you have an emergency.