Find Travel Insurance For Pre-existing Medical Conditions

What if you had a one-month trip to America booked - departing in six months - and were unexpectedly of lung cancer? Suppose you have to cancel your holiday and go to surgery immediately. If you were smart and travel insurance - from the date you booked the trip - you should be able to recover the costs associated with the cancellation of the trip (after any overpayment). However, if you had waited until the day before departure to purchase travel insurance cancellation fee would not be covered. Some people try to squeeze extra mileage out of your policy annual travel insurance by the start date of the policy of the date of the first exit. This is risky because it does not cover cancellation fees if something were to go wrong before the departure date.

Just believe that you had tests and examinations within the last year for lung-related problems, but failed to disclose this fact when buying travel insurance. During your diving holiday in California, you start to cough blood all over the dive boat. You need to seek emergency medical help and diagnosis of lung cancer is confirmed. Will you be covered for medical expenses or high acute reduction of your trip? Probably not.

Anyone serious pre-existing disease is already known that to obtain travel insurance can be difficult but not impossible. Some travel insurance companies from any claims relating to pre-existing medical conditions. Some insurance companies cover pre-existing conditions at no additional cost. Other insurance companies may have a health system that is usually done by phone or online. Many questions have been asked to assess the risks and if the insurance can be issued. If the project is approved, it may be an option to pay additional fees to cover pre-existing condition - or decide not to pay extra fees and closing arguments regarding the risk.

Common conditions such as hypertension (high blood pressure), diabetes and asthma can cause problems when trying to obtain travel insurance - especially in combination with other conditions, so never neglect to disclose something as common as you think high cholesterol does not make sense! All questions must be answered completely and honestly.

As with any insurance, there are exceptions. Some insurance companies refuse to insure people with pre-existing conditions involving cancer, severe kidney problems (requiring dialysis), serious heart problems, strokes and HIV, AIDS or AIDS-related problems. Do not cover for suicide or suicide attempts - in case you plan to blow up the Golden Gate Bridge!

Most travel insurance policies will cover similar wording and it is wise to read and understand the terms and conditions. For example, there might be clauses stating that you should never travel against the advice of a doctor or receive medical treatment abroad (unless already published and pre-approved). The same goes for those on the waiting list for surgery or procedures, or awaiting results of medical tests. There are specialist travel insurers who often cover terminal illnesses.

During the medical examination, you can ask specific questions like: Have you ever been in a hospital, or had an illness that requires constant care, or expert in this field in the last twelve months? Have you ever suffered, been diagnosed or treated for cancer (or other malignant disease), heart or lung disease (excluding asthma well controlled), high blood pressure or any psychiatric disorder?

Any claim made that relate directly or indirectly to the types of conditions listed above will normally be excluded - unless you have declared a state which was accepted by the insurer, subject to conditions or additional premiums imposed. Whether or not a travel insurance company in particular is willing to offer insurance will depend on various factors, by the insurer, it is advisable to shop around and get quotes.

The biggest mistake is taking the risk of not disclosing the condition of obtaining insurance. You can get away with it if no problems and have no reason to complain. However, if the worst happens, the insurance company has the means to know - and discover - the pre-existing conditions! You could end up with huge medical bills and insurance denied the allegations. With the high cost of medical treatment in some countries (USA in particular) is not worth it. Always be completely honest so you can rest assured and enjoy your vacation without worrying about all the tweaks!