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Medical Condition Travel Insurance

By Edited Apr 1, 2014 0 0

If you have a pre existing medical condition, then it is going to be a little more difficult for you to get good quality travel insurance cover at the right price. Obtaining insurance is going to be more tricky, but not impossible. Some companies are not going to touch you, some will insure you but will charge you a lot more money for the policy. Some companies will carry out a medical screening system, which for most insurance companies is done over the phone. They will ask you a series of questions regarding your health and medical condition, make an assessment and then determine how risky you are to insure. If you are very high risk, its very likely that they will turn down your application for travel insurance, if your medium risk they will probably insure you, but at a much higher cost. It all depends on the company that you are dealing with.

Some companies will insure you, but will not insure you for your relating illness. Meaning if you need to make a claim for anything other than your pre existing medical condition then you will be 100% covered. But if you incur medical costs regarding your illness then you will need to cover these costs yourself. If you buy a policy like this then you are taking an extreme risk, because as we all know medical costs do not come cheap.

The best way to find out which companies are the best for medical condition travel insurance, is by doing a little online research. Otherwise you could end up paying way too much for your travel insurance and wasting hours and hours of your time, trying to get insurance quotes from companies that will more than likely not insure you.

Pre existing medical conditions such as high blood pressure, asthma and diabetes are very common and these are some of the main health problems that can cause severe problems when trying to obtain travel insurance. One thing you must never do though, just so that you can get cover is to neglect to disclose a medical condition. All the questions should be answered honestly and correctly, otherwise you are playing with fire and more than likely have made your insurance policy void from the first minute you purchased it.

When applying for medical condition travel insurance, common questions usually asked during the medical screening process will be. Do you have a medical condition that requires ongoing medication and treatment and have you been referred to a specialist within the past 12 months for your illness. Other common questions asked are have you been diagnosed or treated for cancer, high blood pressure or an heart and lung condition. The questions asked vary from insurance company to insurance company. The bottom line is to always tell the truth and if that means not getting covered or you having to pay high insurance costs then so be it. If you lie you are going to seriously regret it, if you ever need to make a claim.

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