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Compare travel insurance for pre existing medical conditions
If you or a family member have a pre-existing medical condition you will probably have found that it can be tricky to find affordable travel insurance.
The good news though is that MoneyMaxim have not just one or two companies who can help, but a panel of leading travel insurers who specialise in offering policies that cover medical conditions. And comparing these policies could not be simpler.
Travel insurance for medical conditions
Travel Insurers are well aware that medical claims, hospital bills and visits to doctors abroad are a major expense to their policyholders. And whilst most policies cover bills for hospital treatment for millions of pounds you do need to ensure that you have informed your insurer fully of any conditions you may have prior to taking out your insurance.
And when you do advise your insurer you may find that the insurance premium you are asked to pay is higher than if you had not declared your condition. However if your condition is minor you may often find that it can be covered without an extra premium.
If your condition is historic and one that you consider is well in the past you may still need to tell your insurer about it. This is because your insurer may consider that statistically there is a higher chance of a recurrence or other related illnesses.
For peace of mind though, it's important to know you are fully covered so that, if you were to need to make a claim under the medical condition part of your policy, you know it will be covered. As medical bills and repatriation costs can run up very quickly running a risk in this area is definitely not worth it.
How is medical screening carried out
When you carry out a search for travel insurance which covers your pre-existing medical conditions you will almost certainly be asked questions about your condition.
These are designed to assess the severity of your situation, and will result in you being allocated a score, which is then passed to the travel insurers. If your score is low you may well find that your condition means no additional premium. If high it means the extra premium may be considerable, or even result in some insurers deciding they would prefer not to quote. Other potential outcomes include offering you insurance which excludes cover for your pre-existing medical conditions or to insist upon restrictions, exclusions or other terms such as suggesting you pay a higher excess than would normally be the case.
However we do know insurers who are willing to quote for any condition, any age, any length of stay and any destination. So, if you do get stuck, please do give us a call on 0800 520 0699 (01183 218197 from a mobile or overseas).
If you don't declare your medical condition you could find you have problems when it comes to a claim. When an insurer reviews any claim they are entitled to ask for a report from your doctor, and, if they think a claim may be down to a pre-existing condition, they are likely to check that you have fully declared the position. It is, therefore, always important to declare it.
If you have a condition where travel insurance is turning out to be very expensive, it's always worth considering where you travel to. Whereas medical bills in the United States, Canada, Caribbean, Spain and Cyprus are eyewateringly expensive, places like France tend to be the opposite. Do try a few destinations, selecting exact countries to test out your options.
As well as helping you compare many travel insurance policies quickly, our comparison service can also help if you have specific sports or activities planned for your trip.
Do try us in your search for cheap travel insurance - we are sure you will find MoneyMaxim to be your ideal partner!
Image courtesy of: jannoon028 at FreeDigitalPhotos.net
This content was last reviewed on 17/09/2019