Taking out travel insurance can always be a confusing task. To those who don’t understand the ins and outs or the fine print of a policy, it can be particularly daunting. So what about if you’ve experienced a serious injury or illness recently, can you get insured? Here’s everything you need to know about getting travel insurance for pre-existing conditions.
Getting Travel Insurance with Pre-existing Conditions
What’s a pre-existing condition?
These are typically defined differently across insurers, but a pre-existing condition is an ailment that the policyholder would have had medically treated within the past year (or a certain designated time, depending on the illness) of taking out a policy. For example, you can get policies that cover ongoing ailments such as asthma, or even travel insurance for heart conditions.
Do you NEED to disclose it?
Short answer, YES! Never hide information from your insurer. Not only can this be technically defined as insurance fraud, but it can really ensure that you won’t be covered if something goes wrong. If you have a medical condition that you don’t disclose and then it flares up on your trip, your medical expenses won’t be covered and you could be left thousands of dollars out of pocket. Instead, you should always be straight up with your insurer.
Which conditions are automatically included?
This can depend on your insurer and some may have more comprehensive policies that automatically cover more conditions than others. Many of the conditions that are typically covered by a regular policy can include:
- Bell’s Palsy
- Congenital blindness or deafness
And plenty of others! Contact your insurer if you’re unsure when getting travel insurance.
Will you have to pay more?
Your insurer can certainly charge you more for some pre-existing conditions when getting travel insurance. This just mitigates the risk that you may need to make a claim. If you are likely to make a claim on your trip then your insurer needs to compensate by charging you a little extra, which is why it’s so important to do your research. Some insurers may charge significantly more than the base price, while others may provide a more favourable rate. However, if all goes smoothly, you won’t have to claim at all.
Yes, don’t stress about it. As long as you’ve been upfront with your insurer about your condition you should be able to receive some form of cover and if you can’t, then it’s worth looking elsewhere. Make sure you do your research and understand your policy before you go on your trip.