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How To Buy Travel Insurance If You Have Pre-Existing Medical Conditions?


Because people try to budget their money while traveling, they do not buy travel insurance. This is an additional cost which, at times, passengers may not use. However, it is a different case if you have a medical condition.

How To Buy Travel Insurance If You Have Pre-Existing Medical Conditions?


If you are ill, it is important to buy travel insurance with pre-existing medical conditions for your safety while traveling. These pre-existing medical conditions include asthma, cancer, COPD, depression, diabetes, high blood pressure, high cholesterol, sleep apnea, and other chronic diseases. Even pregnancy, which is announced before purchasing insurance, is accepted as a pre-existing medical condition.

What is the importance of travel insurance?

It is easy to think that your situation will not be a hindrance to your travel adventures. But many factors can make you seek medical emergencies between your travels, and this is something you want to avoid spending on. Sometimes, whether you like it or not, you may need to go to the hospital for the necessary investigation or medication, and the cost can cause you luck.

But having travel insurance can help you cover medical expenses incurred during your trip. Although it may take you some time to find the right insurance policy, it will be worth it, especially when your situation comes suddenly.

How to be covered by travel insurance with pre-existing medical conditions?

Fortunately, many insurance providers offer coverage for pre-existing conditions, so they are easy to find. To cover, you must first look at the list of medical conditions that your chosen provider accepts. If you are lucky, your selected coverage may include your pre-existing status, and you do not need to pay additional fees. Therefore, be sure to read the insurance policy.

If possible, go to insurance companies known for their travel insurance policies for pre-existing conditions. They may be more expensive, but it is best to consider them. They may have policies that are best suited to your situation and the places you visit. If you are in Canada or Japan, do not pay high cost travel insurance.

The next thing is to answer the initial questions about your already existing medical condition. This is a requirement, so it is best to comply with it. Occasionally, you will be asked to call a medical helpline to answer in-depth questions about your health. This is a tedious process, but should be done to ensure that your insurance provider can evaluate your needs and provide you with better terms and coverage for your situation.

If your medical condition is not included in the list, you can choose a policy with a higher premium or go to another insurance provider that offers a better and more affordable deal.

The Takeaway

For travelers with pre-existing medical conditions, you should look around before making a final decision. Go to various insurance providers and then select the company that offers the best policies and coverage for your health and of course your budget. If you are having a hard time, you can check the charities or associations that deal with your illness and find out which insurance companies they recommend.

You do not need to decide immediately. There are many options to consider, so take some time to do your searches. Once you get it right, you avoid spending so much on expensive medical expenses if things go wrong during your trip.


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