What to consider when you apply for travel insurance with pre-existing medical conditions


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You may often need to travel abroad for visiting overseas clients or for enjoying holidays with your loved ones. Fear of uncertainties may bother you under such circumstances, especially when you have any pre-existing health condition. Even when you consider applying for travel insurance, you may feel confused about how to evaluate your coverage requirements. However, you must understand that there are a few important factors that an insurer would like to check prior to issuing travel policies.

Not all but the residents of some countries may experience some flexibility from their insurers when they have pre-existing conditions. Canadians with an existing medical condition have an option for travel insurance.

Acquire knowledge of Pre-existing Medical Conditions

Pre-existing medical conditions are:

  • Medical conditions that aren’t unknown to you
  • Conditions that you’ve already been treated for or those for which you’re still undergoing treatment
  • Conditions that compel you to take medications regularly
  • Conditions for which you’ve either undergone a medical surgery or planning for one

Prior to submitting a fully filled application form, you must clear all your doubts pertaining to medical conditions.

Can I actually qualify for travel insurance with pre-existing health conditions?

Insurance applicants with pre-existing conditions that are currently in a stable health condition find it much easier to achieve the right travel coverage. However, being stable is closely associated with a few conditions:

  • No medication, treatment, and diagnosis are on
  • No alterations in medication or treatment frequency
  • No reports suggesting further deterioration
  • No test results are pending
  • No specialist attention or hospitalization is sought after

All of these conditions are likely to change with different insurance providers. The look-back period or the claim filing period since registration is also taken into account by some insurers. The time period specified by the insurer has to be exceeded for settling a claim adequately.

Is it worthy of visiting places with pre-existing health coverage?

Imagine a situation wherein a policyholder visits the US on a short holiday trip. Suppose, this person is currently on medication as he suffers from a certain skin allergy. Along with his travel insurance, he even carries a waiver on his pre-existing medical condition. Now, if he attends a beach party and his skin allergy gets aggravated, he might have to be admitted to a hospital. The simple fact that he had disclosed his skin condition in his insurance application form could actually save his worth thousands as his treatment costs are covered. The insurers recognize such conditions as stable.

So, you can easily see why it’s so important for you to carry a pre-existing medical condition. While you may achieve it in the form of a secluded waiver with some insurers, it might even form a part of your existing policy with the others. The stability of your health condition and the lookup period are important factors that you must consider while picking your preferred travel insurance plans.

Prior to buying your policy, you must check out your policy clauses mentioned in the paperwork. It will help you understand the coverage specifics and the exclusions. You should never hide any of your pre-existing health conditions from a prospective insurer. It might be the cause of the rejection of your claims under adversities.

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