Travel Insurance For Pre Existing Medical Conditions

All insurance policies take into account what kind of medical conditions their client has; that's a fact, a fact that's not going to change any time soon. It makes sense logically - why would an insurance company promise you, for example, life insurance if it knew your life was at high risk. The fact is they wouldn't and that's not because they are cold hearted; no, it's because they are a business and they have to look out for themselves. They make sure the statistics are sound and not the individual.

When it comes to travel insurance with pre existing medical conditions you are entering a whole new ball game. A pre existing medical condition is, in the eyes of travel insurance companies, anything you have succumbed to - whether it be an injury or an illness - up to 120 days before the trip. The timeline varies but the majority of travel insurance companies follow such guidelines.

A quick example:

The company, Trip Insurance Store, defines a pre-existing medical condition as ..."any medical condition (no matter how minor), which manifested itself, became acute or exhibited symptons which would have caused one to seek diagnosis...". They also state that their Lookback period - the number of days before the trip the medical condition was determined - is between 6- 18- days. In other words if you don't claim your medical condition in that time period before a trip, then you won't be given travel insurance.

________________________________________________________________

Travel insurance can be something that makes or breaks the success of a trip. Let's look at a couple sceneries:

The worst that can happen: You are travelling abroad in the Alps. You are hiking up and down giant peaks, feeling great about your physically ability, feeling like you could go on forever. That minor heart condition feels obsolete; it has even left your mind entirely. One day, however, as you hike another grand peak your chest starts to hurt. You stop and get your friend to call for help. You go to the hospital; you've extracted some kind of disease which has made the heart condition worse. You have no insurance to cover it because you neglected to tell the travel insurace company about your pre-existing medical condition. You have to pay a fortune to cover the costs.

The best that can happen: Same scenerio as above. This time, however, before you left you told the travel insurance company all the details of your health, including the minor health condition. They grant you the travel insurance for pre existing medical condition and when you run into problems it's all paid for. In fact you even get to climb a few more mountains before you go home.

What's my point? Over 60% of people fail to tell travel insurance companies all the details about their medical history. Most do this because they think their conditions are too minor to matter - things like high blood pressure and even asthma. But the fact is is that you need coverage, no matter how minor the condition may be. You don't want to be stuck in some foreign country with a massive bill that you can't pay.

Tell the travel insurance company every single detail about your medical history and be completely honest about it. Travel insurance for pre exisiting medical conditions could be a huge life savior. You never know how essential travel insurance may be.

________________________________________________________________

There are many guidelines and rules surrounding pre-existing medical conditions. They vary between different travel insurance companies, but, in general, are all alike. The most important, and most widley used, is the defintion of what a pre-existing condition is.

In general:

A Pre-Existing medical conditions includes any condition that has been tested, treated, examined or been given advice about.  It also has to have existed within travel insurance companies Lookback period.

After that guidelines differ, but generally are the following:

• When it comes to trip time, the pre-existing medical condition has to be medically stable. This means it hasn't taken a turn for the worse, or is not in a state where it can become worse anytime soon. In other words you have to be healthy on all accounts.
• If, by travel time, you are not medically able to travel your travel insurance will be cancelled.
• The only way to waive the pre-existing medical condition is to be medical stable and to buy the insurance at travel time.

________________________________________________________________