Planning a holiday is an exciting business and the same can be said of having pre-existing medical conditions that require insurance coverage. If you want to get better Travel Health Insurance quotes, it is very important to know that your coverage can be impaired in a variety of ways by pre-existing conditions. Today we bring you to the travel insurance world, the threat of cursing, and discuss preexisting conditions in this article.

What is a Pre-Existing Condition?

Now, let us get on to how this applies in the world of travel insurance. As it relates to travel insurance, a pre-existing condition is generally defined as any type of medical problem for which you:

Consulted for medical advice, treatment, or medication

Experienced symptoms

Been diagnosed

Received a referral to receive care

They may have an old or new injury, a chronic disorder like diabetes or heart disease, be pregnant…you name it…it could change exercise results.

How Pre-Existing Conditions Affect Travel Insurance

Most of those plans carve out little wiggle room in their insurance for what are called pre-existing conditions. That is, of course, unless you have a travel medical plan without any pre-existing condition exclusions. A policy with no exclusion for a stable pre-existing condition covers that illness or injury as if it were not already present and allows travelers to see the doctor when necessary while overseas — which can help insureds avoid unexpected high costs out-of-pocket should they need assistance during their trip due to something covered by insurance. While this is certainly a disadvantage of having coverage, there are ways to get around it so long as you’re careful with how your policy is structured.

Options for Covering Pre-Existing Conditions

Waiver of Pre-Existing Conditions: Insurance companies offer a waiver that can be attached to their plan. Most of these waivers cover stable pre-existing conditions (conditions that have not changed or worsened for a set period before your trip).

Specialized Policies: These are travel insurance policies for persons with pre-existing conditions. These are usually much more thorough, but they also may be pricier.

Look-Back Periods: This is how long before the effective date of your policy an insurer will check into your medical history, which can reach back five or more years under a look-back period. The sooner this period the greater your chances of going through with a covered condition.

Key Considerations When Choosing a Policy

Look at the Stability Period: When it comes to a policy so forgiving about giving you new cover, look closer and see just how long under doctor’s orders without needing treatment or medication they would prefer before issuing another waiver. This is the amount of time that your condition must be stable before you can leave if a waiver has been granted.

Disclosure: Failing to disclose your full medical history. Not disclosing a pre-existing condition could mean the end of your claim — even if it has nothing to do with the issue at hand.

Given Transport Rider Coverage Limits: Confirm the maximum amount paid for medical expenses under this policy. Just make sure they are enough for you, especially if you have a chronic complaint that may require many sessions…

Emergency Evac: If you have a condition that might require an emergency evacuation — Patricia thinks about a bull running here, but.

Medication Coverage – If you need prescription medication regularly, see if your policy covers lost or stolen meds.

Age: certain policies may have age restrictions or different terms for older travelers. These are the details seniors need to be extra careful about.

Tips for Travelers with Pre-Existing Conditions

Search Early: Research travel insurance as soon you begin planning your trip. This allows you to compare policies and find appropriate coverage.

Before You Travel, Speak with Your Doctor They can help you manage your condition while away and may even be able to provide the necessary documentation for insurance purposes.

Document it: Make photocopies of your medical records and have a list of the drugs you are currently taking. This is particularly useful in an emergency.

Location, Location: Some destinations may have the medical infrastructure better suited to treat your unique medical situation than others. Keep this in mind when preparing for travel.

Always think Worse-Case Scenario: None of us want to believe we can be in the position where we need a fire evacuation or immediate hospitalization for very severe damage. Be sure your policy includes all of these situations.

The Importance of Reading the Fine Print

Travel insurance for pre-existing conditions details in the policy READ YOUR POLICY through and through. If you are not clear regarding something, call the insurance company and ask for clarification.

Choose wisely and do not just go with the cheapest — especially when we are talking about pre-existing conditions. It is worth investing in such a policy which gives you relaxation and covers almost everything.

Conclusion

Although traveling with a pre-existing condition is not ideal, it should never be the end of your quest for adventure. Those are important pieces to a bigger puzzle which is how you can travel the world with confidence, knowing that your backside and luggage will be safe. Bet you never knew of these 4 travel tips for pre-existing conditions!

And again, everyone has different needs — particularly when it comes to health. Be sure you buy the proper policy by researching and comparing, or seek expert advice if necessary. This is not worth it (oh your health and sanity, how much you are.)