How do pre-existing medical conditions affect travel insurance?

Having a pre-existing medical condition shouldn’t prevent you from getting travel insurance. It doesn’t even necessarily mean that you have to pay a lot more. It may simply mean being more fastidious about selecting your policy.

It’s important to be clear about your state of health to your travel insurance provider so if something does go wrong, you won’t be left without the appropriate cover.

Most insurers have an extensive list of pre-existing medical conditions that are automatically covered in standard policies without requiring an assessment or the submission of declaration forms. If you happen to have a condition not listed in the terms of your insurer, you might be able to receive cover for an added premium.

Terms will differ between insurers when it comes to travel insurance with existing conditions. Some might request your recent medical history from the past six months, whereas others might wish to evaluate your health over several years. The key in choosing the right policy and insurer for you is to be thorough, ensuring there are no grey areas about the circumstances in which you might be covered.

There are some conditions that insurers just won’t cover. But these shouldn’t be a deterrent from taking out travel insurance. It simply means that any costs relating to that condition won’t be covered.

The cost of medical care in different countries will vary and should be taken into account when selecting travel insurance with existing conditions. If you suffer from a health condition, it’s worth doing some preliminary research on the standard medical costs in the countries you’ll be visiting to estimate just how much financial cover you may need.

If you don't accurately inform the insurer about any pre-existing medical conditions, you may not be covered in the event of a claim.