Pre-Existing Medical Conditions
Travelling with a pre-existing medical condition can be daunting but if you make sure you get the correct cover it can be plain sailing. The term itself covers an extensive amount of conditions and different providers have different definitions, but your policy will likely consider the following as a pre-existing medical condition;
- Any condition you’re waiting for an operation on
- Any condition you’re currently awaiting test results for
- Any condition, however small, that you’ve seen a doctor about in the last year
- Any serious conditions you have every has such as cancer, heart trouble, respiratory problems, this can also include any psychological conditions such as anxiety and depression
If you’re unsure whether your condition is covered, ask. Your provider will need to have all the correct information including if you’re currently taking any medication. If you don’t submit the correct details you will run the risk of your cover being rejected. It’s important to bear in mind that policies that cover your medical conditions will tend to have a higher cost, however, in the long run, this could save you thousands in the case of an emergency.
Research conducted by Compare by Review found that 15% of Brits have withheld information about medical conditions when applying for their travel insurance. If you don’t declare a pre-existing medical condition upfront you run the risk of not being insured and invalidating the little insurance you do have. This applies to you and any family members listed on the policy. Sarah Brodie, Policy Advisor at Association of British Insurers, said:
“Buying travel insurance from the moment you book your holiday offers you the best chance at protecting yourself against cancellations due to unforeseen events. However, to make sure your policy is valid, you must declare any pre-existing health conditions and make sure your policy meets your needs. The policy which is best for you might not be the cheapest, so it pays to shop around.”
Over £64 million was wasted last year on invalidated insurance which is a staggering amount. If the price to cover your pre-existing medical condition makes your eyes water, it’s worth contacting a specialist insurer. Many of these specialists accept an extensive and wide range of medical conditions at no extra cost so it’s worth doing the research. The question you have to ask yourself is can you afford not to tell them?
As you get older, many travel insurance providers charge more to cover your travels. Statistically over 65s are more at risk of injury and illness. Similar to standard travel insurance, it’s imperative to check your policy to make sure it covers you and your belongings. Most importantly you must declare all pre-existing medical conditions.
Whether you’re a gap year student or trekking the globe, specific insurance to cover your travels is a must-have. Peace of mind is key when far from home, if something were to happen to you or your belongings, the knowledge that you will be covered allows you to enjoy every moment. Backpacker insurance allows you to travel to multiple countries as part of your trip and offers more than standard travel insurance. A good policy should cover your medical expenses, cancellation, delays and missed connections, lost luggage, extreme and adventure sports and personal liability.
Winter sports such as skiing or snowboarding carry a high risk of injury therefore winter travel insurance is key. A comprehensive policy is vital especially as many resorts offer a wide range of other activities such as ice skating and tobogganing. Due to remote locations and extreme conditions, rescue and treatment for winter sport-related injuries can be very costly especially in America. Aside from medical bills, insurance can also protect against personal liability, lost holiday days due to bad weather, alternative equipment is your luggage is delayed on the outward journey and misplaced equipment and ski passes.
If you’re into more extreme sports, such as off-piste skiing, snowboarding or glacier climbing, you may find you will need separate cover. It’s important to remember than many insurers will request you wear a helmet, otherwise, your policy will be invalid. Most providers will refuse to pay out if you have an accident whilst under the influence of alcohol or drugs.