Travel Insurance Pre Existing Medical Condition: Travel Relaxed
Posted on | November 24, 2009 | 9 Comments
If you have prior knowledge about your medical condition and need to travel abroad in spite of it, it becomes all the more important to get your medical condition insured. Since we all know that treatments abroad can prove to be very costly, it is suggested to take up travel insurance pre existing medical condition.
The pre-medical condition of a consumer means that he has been suffering from:
•Any respiratory condition; any heart, circulatory, kidney, liver or cerebral condition; any stroke or central nervous system disorder; for which he has ever received treatment.
•Any cancer for which he has received any diagnosis or treatment within the last five years.
•Any disease, illness or injury for which he has received surgery, in-patient treatment or investigations in a hospital or clinic within the last two years
While availing UK travel insurance pre existing medical condition, the consumer is suggested to divulge all the medical facts about his condition to the insurer. This is done so that in the future, the insurer cannot claim to cancel the policy on the basis of incomplete facts. Even if the consumer is on some medication for his condition, he should inform the insurer of travel insurance pre existing medical condition about it very clearly.
However to take up travel insurance pre existing medical condition, the consumer needs to be a citizen of the UK and should be registered with a medical practitioner. Only the medical conditions that have already been diagnosed by the practitioner can be covered with travel insurance pre existing medical condition.
It can be availed as a single-trip travel policy or as a multi-trip travel annual policy depending upon the frequency of travel of the consumer. This can be done through Annual Travel Insurance in UK. The duration of the policy or the cover limit can be increased if the consumer informs the insurer before the present policy expires.
With travel insurance pre existing medical condition, it is now safe to travel abroad without worrying about any expenses on the pre-existing medical situation of the borrower.
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Tags: Annual Travel Insurance In Uk > Health Insurance Benefits > Multi-trip Travel Annual Policy > Short-term Insurance > Travel Insurance Pre Existing Medical Condition > UK Travel Insurance > Vision Insurance
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9 Responses to “Travel Insurance Pre Existing Medical Condition: Travel Relaxed”
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November 24th, 2009 @ 10:40 am
I think that you will find a great deal on Moneysupermarket.com thats where I got my travel insurance, and they actually had to pay out on my policy as I ended up in a French hospital.
My insurance was about 40pounds, and it was for annual insurance! I think from memory you could go away for up to 94 days at a time, or 17days at a time if you included winter sports.
Hope this helps – just remember to read the small print about how many consecutive days away from the UK you are covered for! Happy Travels!
November 24th, 2009 @ 11:30 am
Try this site for a quick quote on travel medical insurance. TravelEx allows for pre-existing conditions. —> http://www.travelex-insurance.com/index.asp?location=07-0018
November 24th, 2009 @ 6:39 pm
healthquotes.awardspace.info – here is my health insurance plan. As I remember they can provide such a service.
November 24th, 2009 @ 10:39 pm
Here are some links-
I had a similar situation- I was living in the Caymans Islands, no longer a Canadian resident, and wanted to travel for the summer. But every policy required that Canadian citizens be insured in their home privince, which I no longer have as non-resident. IMG was the only one I found, but as you DO have Canadian insurance, this will be easy for you. There are lots of short-term plans.
https://www.imglobal.com/travelinsurance/index.cfm?show=&&CFID=1718830&CFTOKEN=d9392e2d0226f2d2-EC75C061-1143-EBE5-76B31862584AA777
http://www.internationalsos.com,
http://www.travelexinsurance.com,
http://www.ijet.com,
http://www.travelassistance.com,
http://www.wallach.com,
http://www.travelguard.com,
http://www.independenttraveler.com/resources/article.cfm?AID=48&category=8,
http://www.ricksteves.com/plan/tips/insurance.htm.
November 26th, 2009 @ 2:32 am
Checkout their theft rider, and the link for a free quote. http://www.travelex-insurance.com/index.asp?location=07-0018
November 26th, 2009 @ 10:11 am
It could very well be true. Although they are different countries to where you are, we are in the UK and when we book to go to Ireland the company we book with insists on having our insurance details. Besides, as the first answerer says…they would be daft to travel without it as the cost of treatment is far more than the cost of the insurance. Accidents do happen…believe me, I broke an elbow last year, and a few weeks after that was healed I broke my foot…if I had been abroad I would have been in sh*t street without insurance!
November 26th, 2009 @ 3:36 pm
You can get a refund if your insurance covers illness as a reason for cancellation. Different policies cover different contingencies. The way you would prove illness is by a note from your physician.
InsureMyTrip.com is one site that has comparisons among policies. I'm sure there are others.
November 26th, 2009 @ 6:19 pm
There are some good travel insurance companies. Get ones that pay your expenses or pay you in cash. Dont get ones that make you take another trip or give you a voucher to travel again with them.
I only buy insurance if the trip is WAY more than I can afford to lose.
Read the fine print of the policies before you purchase.
November 27th, 2009 @ 10:17 am