According to a recent study, one out of every 5 people cannot get travel insurance because of pre-existing medical conditions. And according to market research firm Mintel, 4.2 million people have struggled to get travel insurance because of a previous medical diagnosis.
Best insurance companies will give you travel insurance with medical conditions being part of the normal terms your insurance policy. What this means for you is that if your medical condition is listed on the company’s No Screen Conditions list, then you don’t need additional medical coverage in your travel insurance.
What is a Pre-Existing Condition?
A pre-existing condition is a health condition that was known and existed before the signing of an insurance contract. Pre-existing medical conditions include Crohn’s disease, epilepsy, heart conditions, respiratory conditions, stroke or cancer for which you received any form of treatment. This could mean having had surgery, gotten tests or investigations done and being prescribed medication or drugs to treat that condition.
It also refers to any medical condition for which you underwent surgery or were admitted in hospital for in-patient treatment or investigations in the last one year or currently undergoing such treatment.
More generally, if you are being prescribed medication or drugs for a specific medical condition, or have been given a terminal prognosis or are aware of a condition but have not been given a formal diagnosis, then they also qualify as pre-existing conditions.
Getting Insurance When You Have a Pre-Existing Medical Condition
No Screen Conditions are covered as a part of the normal terms of your travel insurance policy. So, if your condition is in that list, you don’t need to worry. You can just buy your regular travel insurance and you’re covered.
However, if you have a pre-existing condition that is not covered in the No Screen Conditions, then you have one of two options:
- You can buy a standard travel insurance policy. This means that your condition will not be covered and that in case of a medical emergency, you will need to pay your medical bills yourself.
- You can call the Medical Screening Service, who can then let you know whether your condition can be covered, or whether there will be more premium to pay for or if there will be changes to the policy required.
One thing you need to keep in mind is that you cannot use the Screening Service if you have chosen to buy the Already Travelling Policy. Then, you will automatically get medical coverage for the conditions listed the No Screen Conditions list.
Remember, no matter how manageable or common you think your medical condition is, it is very important to be completely honest with your insurance company when you are buying travel insurance. If you omit details or lie about your condition, you could end up being underinsured, or, even worse, your travel insurance policy could be voided. So, travel sure and travel safe with the right kind of medical coverage in your travel insurance.
*This is a collaborative post