Travel Insurance With Pre-Existing Medical Conditions

Shawn Plummer

CEO, The Annuity Expert

Traveling is a beautiful experience, but it can be stressful, especially when you have pre-existing medical conditions. This is where travel insurance comes in handy. Travel insurance with pre-existing medical conditions covers medical expenses, trip cancellations, and other unforeseen events that may occur while traveling. This guide will discuss the best travel insurance policies for pre-existing conditions and how to choose the right one.

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Why is Travel Insurance Important for Pre-Existing Medical Conditions?

Having a pre-existing medical condition can make travel insurance more expensive and complicated. However, it’s still essential to have travel insurance, especially if you’re planning to travel abroad. Here are some reasons why:

  • Coverage for Medical Expenses: If you require medical attention while traveling, travel insurance can cover the expenses incurred, including hospitalization, treatment, and medication.
  • Trip Cancellations: Travel insurance can also protect you from financial loss due to trip cancellations. This is especially important if you have a pre-existing medical condition that may require you to cancel your trip at the last minute.
  • Emergency Evacuation: In a medical emergency, travel insurance can cover the emergency evacuation cost to a hospital or medical facility.
  • Peace of Mind: Traveling can be stressful, and having travel insurance can give you peace of mind knowing that you’re covered in case of unforeseen circumstances.
Pre-Existing Condition Travel Insurance

What to Look for in Travel Insurance with Pre-Existing Conditions?

When choosing travel insurance with pre-existing conditions, there are certain factors you need to consider to ensure that you’re getting the best policy for your needs. Here are some of the things to look for:

  • Medical Coverage: Look for a policy that provides adequate medical coverage for your pre-existing condition. Ensure the policy covers emergency medical treatment, hospitalization, and medication.
  • Trip Cancellation Coverage: Choose a policy that covers trip cancellations due to your pre-existing condition. This will ensure you’re not financially penalized if you can’t travel due to your medical condition.
  • Emergency Evacuation Coverage: Ensure the policy provides coverage for emergency evacuation in case you need to be transported to a medical facility.
  • Pre-Existing Condition Waiver: Look for policies that offer a pre-existing condition waiver. This means that the policy will cover medical expenses related to your pre-existing condition, even if it’s excluded from the policy.
  • Customer Service: Choose a policy from a company with a good reputation for customer service. This will ensure you get the assistance you need when needed.
Travel Insurance For Pre Existing Medical Condition

Pre-Existing Medical Conditions

What to Avoid in Travel Insurance with Pre-Existing Conditions?

  • Limited Medical Coverage: Avoid policies that provide limited medical coverage for your pre-existing condition.
  • Exclusions: Look for policies that don’t have too many exclusions for pre-existing conditions.
  • High Deductibles: Avoid policies that have high deductibles, as this will increase your out-of-pocket expenses.

Best Travel Insurance Policies for Pre-Existing Conditions

Here are some of the best travel insurance policies for pre-existing conditions:

  • Allianz Travel Insurance: Allianz Travel provides comprehensive coverage for pre-existing conditions, including emergency medical treatment, trip cancellations, and evacuation.
  • International Medical Group: IMG provides customizable travel insurance policies that cover pre-existing conditions. They also offer a pre-existing condition waiver.
  • GeoBlue: GeoBlue provides travel insurance policies that cover pre-existing conditions, including medical treatment and emergency evacuation.

Factors that Affect the Cost of Travel Insurance with Pre-Existing Conditions

The cost of travel insurance with pre-existing conditions varies depending on several factors, such as:

  • Age: Older travelers may have to pay more for travel insurance than younger travelers.
  • Type of Medical Condition: The severity of your pre-existing condition and the treatment required can affect the cost of your travel insurance.
  • Length of Trip: Longer trips may have higher insurance premiums than shorter trips.
  • Destination: Traveling to certain countries or regions with higher medical risks may result in higher insurance premiums.
  • deductible: Choosing a higher deductible can reduce your insurance premium but may also increase your out-of-pocket expenses.

Next Steps

Travel insurance with pre-existing conditions ensures a stress-free and safe travel experience. When choosing a policy, it’s crucial to consider factors such as medical coverage, trip cancellation coverage, emergency evacuation coverage, and pre-existing condition waiver. Choosing a policy from a reputable company with good customer service is also essential. Doing so lets you enjoy your travels without worrying about unexpected medical expenses or cancellations.

Travel Insurance Pre Existing Medical Condition

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Frequently Asked Questions

Can I get travel insurance for a preexisting condition?

Even if you rarely think about it nowadays since the issue is manageable, there is still hope for first-class travel insurance! Numerous plans offer coverage for preexisting conditions. So you can easily find one that fits your needs and budget.

What is a preexisting condition waiver on travel insurance?

When purchasing travel medical insurance, the Preexisting Condition Waiver is one of the essential things to consider. It safeguards you from any issues or illnesses that may occur before your trip, causing cancellation, or during your journey, necessitating medical attention – providing peace of mind for travelers everywhere.

What conditions are covered by travel insurance?

Safeguarding your health and well-being is a priority when you travel, which is why the right insurance can make all the difference. Know that if something goes wrong on your trip – from medical costs to lost baggage – you have coverage for any eventuality. Whether it’s personal injury or cover for accidental damage, cancellation or missed departure, lost items, and delayed luggage, secure yourself against whatever may come with comprehensive international travel insurance today!

What if preexisting conditions are not declared?

If you fail to disclose preexisting conditions, the insurance company may deny your application for a health policy. This refusal is their right and can leave you without coverage for any medical issues associated with preexisting conditions. Therefore, all relevant information about existing or prior illnesses must be included when applying for health insurance.

*Disclosure: Some of the links in this guide may be affiliate links. I may receive a commission at no cost to you if you purchase a policy. It helps us keep the lights on!

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Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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