Planning to go on a long trip? If you have vacation plans that will take you on several trips then you know the value of having good insurance coverage. However, regular travel insurance won’t cover the costs for pre-existing health conditions in your record; if you already have heart ailments, cancer, asthma, and the like then you need to declare these.
Insurance for Pre-Existing Medical Conditions
There is actually a type of insurance for medical conditions that were contracted prior to your travel. When you avail of these insurances you will be covered for medical fees and health institution charges during your travels so long as you declare them beforehand.
Will it cost you a little extra? There’s no doubt that this type of additional travel insurance will cost you more but it is worth the investment if you want to keep your finances and health secure while you’re out of home. You never want to get stuck in a hospital in a foreign country without any financial options to pay for surgery or medications.
Fortunately, it is not too hard to get extra coverage for medical conditions. You just need to know what you’re looking for and you need to know if you qualify for this type of medical travel insurance. Some health conditions might not be covered so you’d be shocked to find yourself in a hospital expecting the bills to be covered only to realize you have to shell the cash out yourself.
What Qualifies as a Pre-Existing Medical Condition?
Generally there is one simple way to define a pre-existing medical condition: it must be a health condition that you got prior to your travels. It must be an on-going condition, meaning you are still suffering from it or you are still being treated for it. There are three examples of this:
1. Respiratory conditions such as asthma, heart conditions, epilepsy, stroke, Crohn’s disease, cancer, and the effects of treatment for the listed ailments.
2. Any form of medical condition that required you to have surgery. This can also include injuries from accidents. So long as you had to undergo surgery and you face any danger of the treated area getting worse or infected during your travels then it qualifies for this insurance policy.
3. Medical conditions that require you to take prescription medications on a regular basis.
Getting This Special Travel Insurance
Getting this kind of travel insurance depends from insurer to insurer. Some of them might not cover certain types of medical conditions while others might. When you are applying for regular travel insurance it is always a good idea to first inquire if they also offer insurance coverage for pre-existing health conditions.
When you do get insurance for pre-existing medical conditions along with regular travel insurance you’ll notice that the additional fee might be discounted. If you are getting the two from two separate insurers then the premiums might be higher than usual. Either way, it is important to declare any pre-existing medical conditions to make sure you are financially covered for current health issues during your travels.