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What Travel Insurance for Pre-Existing Medical Conditions Covers
By George G.
If you have a pre-existing medical condition such as diabetes, cancer, arthritis
or fibromyalgia, you should seriously consider getting a travel insurance package
which will cover you for your health problems as well as anything that could happen
during your trip.
The three kinds of travel insurance which covers you for pre-existing medical conditions
are total pre-existing condition cover, limited travel insurance cover and long term
Total pre-existing condition cover is the most expensive option, however it provides
you comprehensive coverage for any pre-existing conditions. It will pay for any visits
you may have to make to a doctor while you are abroad, including any hospital stays.
In addition to that, it will also cover you for air ambulance or repatriation of
your remains. Some of these travel insurance packages will also pay for a relative
to travel out to you in case you had a medical emergency.
A limited travel insurance policy for pre-existing medical conditions will also pay
for repatriation of remains, but it only pays for a limited amount of either hospital
or doctor's visits.
Some of these travel insurance plans will include a cash payment for a sudden recurrence
of your pre-existing medical condition while you are on holiday.
However, if you plan to be away for a long period or working abroad, then a long
term pre-existing medical condition insurance policy is probably your best option.
Many of these travel insurance plans will cover you after a certain period of time
or will have limits to the amount of cover they will provide each year. They could
also include large excesses.
Before you decide to take up a travel insurance, make sure you fully understand what
your policy actually covers. Travel insurance for people with pre-existing medical
conditions may cover you only up to a certain age or within a stipulated time frame.
You also want to be sure that your existing illness is covered under certain activities
that you want to participate. For example, dangerous sporting activities such as
Most important of all, check with your insurance provider to find out how they define
a pre-existing medical condition. It may differ from your idea of a existing medical
Each individual insurance company will compile their own list of pre-existing medical
conditions and have their own standards when it comes to providing insurance coverage
for people with existing health problems.
It makes no sense paying for an insurance policy that will not cover when things
go wrong. Always weigh your options, know what you are paying for, before you decide
to buy a travel insurance.