{"id":2716,"date":"2022-05-25T08:26:29","date_gmt":"2022-05-25T08:26:29","guid":{"rendered":"https:\/\/bloggingrevolution.com\/?p=2716"},"modified":"2022-05-25T08:26:29","modified_gmt":"2022-05-25T08:26:29","slug":"tips-for-finding-travel-insurance-for-a-pre-existing-medical-condition","status":"publish","type":"post","link":"https:\/\/bloggingrevolution.com\/tips-for-finding-travel-insurance-for-a-pre-existing-medical-condition\/","title":{"rendered":"Tips for Finding Travel Insurance for a Pre-Existing Medical Condition"},"content":{"rendered":"
Have you been refused travel insurance because of a medical condition you have? Or perhaps, following diagnosis with a condition, you have been quoted prices so much higher than you are used to paying that it has made you wonder whether you can still afford to travel abroad.<\/p>\n
Sadly, these are not unique or one-off experiences. A lot of people have difficulties finding affordable travel insurance when they have a long-term medical condition. In the most notorious cases, people get quoted three and four-figure sums for a policy.<\/p>\n
That\u2019s likely to be more than the cost of a holiday.<\/p>\n
However, while these kinds of unfortunate stories do happen to people, they are the exception rather than the rule. A major study undertaken by consumer publication Which?<\/a> a few years ago, it found that some 64% of people who had bought travel insurance had done so with a pre-existing medical condition.<\/p>\n A quarter of those said it had resulted in them paying more than they expected. A fifth said they could only find affordable policies that excluded any kind of medical coverage related to their condition.<\/p>\n So not only is declaring a medical condition when you buy travel insurance very common, the majority of people don\u2019t have any sort of issues. But if you are one of the unfortunate ones, it can obviously be a very distressing experience.<\/p>\n What can you do to avoid it? How can you make sure you always find the cover you need at a price you can afford? First, let\u2019s explain why and how medical conditions can impact your ability to buy travel insurance. And then we\u2019ll offer some tips on how to find the best deals.<\/p>\n Insurance is all about covering financial risk. When you travel on holiday somewhere, there are risks that your trip might have to be canceled at the last minute, or you miss your flight, or you lose your luggage. Travel insurance offers financial protection for all of these things.<\/p>\n But most significantly of all, it covers your medical costs if you fall ill or have an accident abroad. Because medical care can be very, very expensive for foreign visitors who are not entitled to state-subsidized healthcare.<\/p>\n There is a risk here for the insurer, too. If you get admitted to the hospital and are charged a five-figure sum (or more) for the care you receive, your insurance company is obliged to pay for it if you have a valid policy. Insurers are therefore wary of anything that increases the chances of you needing medical care. Such as a pre-existing medical condition.<\/p>\n That\u2019s why some will charge so much more for policies that include cover for medical conditions. Or won\u2019t cover you at all. But the risks vary depending on what your condition is, how old you are, your current state of health, etc.<\/p>\n So that explains why a lot of people see no real difference in buying travel insurance for a medical condition. If your condition falls in the \u2018less serious<\/a>\u2019 category, is well controlled with medication, your general health is good and you haven\u2019t had a major episode (such as a hospital admission) in some time, your insurance company may have no need to do any more than adding a modest amount to your premium.<\/p>\nWhy can medical conditions make buying travel insurance more expensive?<\/h2>\n
How to find the best deal on medical travel insurance<\/h2>\n