Pre-existing Conditions & Travel Insurance

When buying a travel insurance policy, most of them include emergency medical expenses and repatriation cover, should you suffer an accident or fall ill abroad. However, this does not extend to existing medical conditions and some providers will either increase your premium or simply refuse to cover you at all. Trying to find the best travel insurance if you have a pre-existing medical condition can be stressful, so here are our top tips to make sure you can get the right cover to suit your needs.

What Is A Pre-Existing Condition?

If you take medication or have consulted a doctor about a health issue, then you should consider that to be a pre-existing medical condition. These can include physical and non physical conditions, from heart conditions and broken bones, to anxiety and depression.

All medical conditions should be disclosed with your provider. Pregnancy isn’t usually included under medical conditions and you don’t have to disclose this with your insurance provider. Your policy should cover you if you have a pregnancy-related emergency abroad, if you haven’t had complications beforehand and if your under 37 weeks pregnant (or 33 weeks with multiples). If you’re unsure, always make sure to check with your provider before you travel.

Is It Likely That My Insurance Provider Will Approve My Application?

Travel insurance providers will want to know about your medical history. They’ll need detailed information about your health, so make sure you’re prepared. If you have an underlying or pre-existing condition, you’ll be asked how severe it is, when you last experienced symptoms and what medication you’ve taken for it.

While it might seem intrusive, it helps build up a picture of what the likelihood is of you needing medical aid while you’re on holiday. Once you’ve provided all of the required information, an insurance provider may make the following decision:

  • Offer cover on standard terms in spite of your condition
  • Decline your cover or refuse to cover the pre-existing condition, but offer to insure you on standard terms for any new issues that may arise while on holiday
  • Offer cover with restrictions or special terms
  • Offer cover with a higher excess
  • Offer cover that include the pre-existing, but increase the normal premium by a significant amount

If you’re unable to find an insurance provider that will cover you, it may be worth contacting a charity connected to your condition as they may be able to direct you to one that does.

Can I Still Get Travel Insurance If I Have A Medical Condition?

Yes, you can still get travel insurance, even if you have an underlying or pre-existing condition. However, you may need to look for a specific provider as certain health issues could increase your chances of needing medical treatment while your on holiday.

Does My Destination Affect My Insurance?

The country you’re travelling to could also impact your insurance policy. Most of North and Central America, China and Hong Kong, and European countries such as Greece, Malta, Spain and Cyprus all have a high level of private health care. As a result, it costs more to receive treatment and, in turn, bumps up the price of your policy. If you have a pre-existing medical condition and you plan on visiting any of these countries, you may find it difficult or expensive to get cover.

Will I Still Need Travel Insurance If I Have an EHIC While Holidaying in Europe?

A European Health Insurance Card (EHIC), should not be used as a substitute for travel insurance. An EHIC will only provide you with the same healthcare as the locals and will not pay for getting you back home, specialist treatment or stays in private hospitals

How Can I Find The Best Travel Insurance Provider?

Buying a travel insurance policy with a medical condition is easy when you search with us. Our providers are ranked by reviews created by real people so you know exactly where you’re investing your money. When you’ve found the perfect match, simply visit the providers site and buy. It’s as simple as that.