Holidays should be time to relax and have fun. Unfortunately, for those who have pre-existing illnesses, finding travel insurance before travelling may end in a nightmare. Can I find travel insurance with pre-existing conditions without paying high premiums?
Need to get travel insurance
Many people tend to overlook the importance of travel insurance when they go on holiday. People do not expect to get naturally ill during a relaxing holiday, but unfortunately many of them require medical assistance during our holidays. Whether you have bad stomach flu or lose luggage, travel insurance is a must to make sure you don’t have to worry about expenses for everything else.
ABI reported that the total amount paid to people travelling abroad in 2018 for medical claims was £400 million – the highest since 2010.
It is the probability of medical claims that makes travel insurance premiums higher for people with pre-existing medical conditions. Although it will be slightly more difficult to find low-cost holiday insurance with pre-existing conditions, this is not impossible.
Finding the right travel insurance with medical conditions
Pre-existing conditions can range from respiratory problems to conditions such as diabetes. If you have a pre-existing condition, you should get adequate holiday insurance because you are more likely to need help than a healthy person. After all, you don’t want to end up paying thousands of pounds for what is little more than a hospital check.
Although many insurance companies offer higher premiums or may not even offer insurance, there are travel insurance options for people with illnesses. You can compare travel insurance options online via web comparison engines, and do your own research.
Travel insurance under pre-existing conditions can often be tailored to your needs, instead simply means higher premiums. For example, some insurance companies may exclude treatment for a pre-existing condition from your policy or add certain restrictions. Therefore, you may be able to find cheap holiday insurance even with pre-existing conditions.
Be honest with your insurer
The key to finding cheap holiday insurance is to ensure that you are honest with your possible insurer. Don’t try to save money or withhold information about your condition. If you fall ill and the insurer finds out that your claim was a pre-existing condition, your claim may be rejected.
Your place on holiday may also affect premiums because in some countries the cost of treatment is higher for others. Remember that if you go to another EU Member State, you should definitely travel with a European Health Insurance Card (EHIC). You can find detailed information about the EHIC card on the NHS website.
You can find cheap holiday insurance with pre-existing conditions if you start looking early enough and make sure you discuss your condition with your insurer. Use web comparison sites and discuss your options with the insurers. Many insurance companies have special health lines open to people with pre-existing conditions to ensure that you find the right insurance for your needs without paying a fortune.