How to buy travel insurance if you have pre-existing medical conditions?

Because people try to budget their money when they travel, they tend not to purchase travel insurance. It is an additional cost, which sometimes, travelers cannot even use. However, it is a different case if you have a medical condition.

If you are sick, it is important to purchase 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 illnesses. Even pregnancies, which are declared before the insurance is purchased, are accepted as a pre-existing medical condition.

What is the importance of travel insurance?

It’s easy to think that your condition won’t be a hindrance to your travel adventures. But many factors can cause you to search for medical emergencies in the middle of your trip, and that’s something you want to avoid spending money on. Sometimes, like it or not, you may need to go to a hospital for necessary monitoring or medication, and the cost can cost you a fortune.

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

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

Fortunately, many insurance providers offer coverage for pre-existing conditions, so it’s easy to find them. To obtain coverage, you must first take a look at the list of medical conditions that your chosen provider accepts. If you’re lucky, your selected coverage may already include your pre-existing condition and you won’t have to pay additional fees. Therefore, be sure to read the insurance policy.

If possible, use insurance companies that are known for their pre-existing condition travel insurance policies. They can be more expensive, but it is better to consider them. They may have policies that are better suited to your condition and the places you want to visit. If you’re in Canada or Japan, don’t be surprised if you pay for higher-cost travel insurance.

The next thing you need to do is answer the initial questions about your pre-existing medical condition. It is a requirement, so it is better to comply. Sometimes you will be asked to call a medical helpline to answer detailed questions about your health. It’s a tedious process, but it should be done to make sure your insurance provider can assess your needs and offer you the best terms and coverage for your situation.

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

Food to go

For travelers with pre-existing medical conditions, you should first look around before making your final decision. Go through several insurance providers and then select the company that offers the best policies and coverage for your health and of course your budget. If you’re having trouble deciding, you can check out charities or associations dealing with your illness and find out which insurance companies they recommend.

You don’t have to decide right away. There are many options to consider, so take some time to do your research. Once you’ve found the right one, you’ll avoid spending so much money on expensive medical bills if things go wrong during your trip.