Travel Insurance With Pre Existing Condition

Travel Insurance with Pre-existing Medical Conditions: Comprehensive Guide

If you’re planning an overseas trip & have a pre-existing medical condition, travel insurance is a must. That’s why it’s important to choose wisely & get the right type of policy before you make your trip!
What You Need To Provide

Think about this for a moment,

Are you planning a trip to the other side of the world? But are you worried about your health condition? The good news is that you can still travel and be covered with the travel insurance plan. With just five easy steps, you’ll have all the information you need to get a policy that will meet your needs.

Can You Get Cover With a Pre-Existing Condition?

Yes, travel insurance policies are available to you. The good news is that travel insurance policies are designed to be flexible enough for everyone.

Let me explain,

For example, some companies may have exclusions for certain pre-existing conditions, but most of them exclude only the state itself and not any related medical treatment or medication. So don’t let your worries stand in the way of your travel plans!

What Can You Claim With a Pre-Existing Medical Condition?

Let me show you:

  • Preventative care like check-ups and vaccinations
  • Emergency medical evacuation
  • Medical treatment generally, including hospitalization, surgery, doctor visits.

Insurance companies will want to know about your medical history so that they can provide you with an accurate quote. You may need a pre-existing travel insurance policy if:

  • You have high blood pressure.
  • It would be best if you had glasses or contact lenses for perfect vision, including wearing eyeglasses during the day and at night to correct refractive errors of the eye.
  • You have any condition that can result in a need for dialysis or kidney transplantation (including those who may wear an external device to help with kidney function).
  • A heart valve replacement, including routine follow-up care
  • Chronic liver disease or chronic hepatitis will require further investigation. For this reason, it is advisable to inquire into travel insurance with pre-existing medical conditions before you leave for your trip.

Steps to Get Covered If You Have Medical Issues

Let’s have a closer look:

#01. Find A Policy 

Find a travel insurance policy with a pre-existing coverage clause. You can search with this term on the internet, or ask your insurer if they cover you. It is important to note that some insurers may not be able to ensure people who have been diagnosed within the last 12 months with a pre-existing condition.

#02. Get A Quote And Complete An Application 

Inquire about travel insurance packages with your travel company or event organizers. If they cannot help, fill out the following form, and we will get back to you as soon as possible! Once our specialists have reviewed your request, one of them will contact you with a customized quote for your travel insurance coverage.

#03. Complete Medical Screening Questions About Your Condition

Some insurers will ask you about your medical record and any requirements you may have to determine eligibility for coverage. If the travel insurance company finds that they cannot cover an individual with your pre-existing condition, our specialists can search for alternate plans on behalf of the client.

#04. Purchase An Insurance Plan

Buy a travel policy that includes the pre-existing medical condition coverage. This may include hospitalization, emergency evacuation costs, medical expenses coverage, or other benefits. The cost of your travel insurance will be determined by the length and destination of your trip, as well as any pre-existing medical conditions you have.

#05. Review And Finalize the Plan

Review the coverage and benefits as well as any exclusions or limitations for your travel insurance policy. Once you’ve made sure that everything is what you need, sign on the dotted line to finalize your purchase!

How Do You Declare Your Conditions?

You can provide your entire medical history to the travel insurance provider for review. Be truthful and accurate about your pre-existing conditions, as some providers may not cover certain situations (like pregnancy).

What Happens After You Have Bought Your Policy?

You will receive confirmation of your travel insurance policy. The first page should list the type of coverage you purchased and any key terms and conditions for that specific plan.

Keep a copy on file in case anything happens while traveling. It’s also worth noting that some companies require an up-to-date medical report within 48 hours of the trip.


If there are any medical emergencies1, you’ll likely need to call your insurer. They should be able to help and may offer advice on what to do in the meantime.

Others may ask for your contact information and emergency contact details to access these during an incident.

How Much Will it Cover?

There is no definite answer because this will depend on your destination, age, pre-existing medical condition, and trip duration.

You see:

Different policies offer different levels of cover, and this is something to look into before buying. This will depend on why you need travel insurance and inclusions such as emergency medical transport2 or access home by yourself if necessary.

What if My Medical Condition Costs Too Much?

The travel insurance provider may include an excess or co-payment, which is a percentage of the total cost you must pay. This will depend on what your medical condition is and whether it requires extra care before traveling.

How To Find Cover At the Best Price?

You can get quotes from several travel insurance providers. You could also compare prices using a website that allows you to search for the best deal on the price comparison site.

Many of these sites will ask for your destination, age, and medical condition before they offer their quote so it is essential to give them accurate information or risk paying more than needed.

Common Questions

What Pre-Existing Medical Conditions Covers?

How Much Does it Cost to Get Travel Insurance With Pre-Existing Condition Coverage?

How to Buy Travel Insurance When You Have a Pre-Existing Condition?

What is Travel Insurance With Pre-Existent Medical Condition?

In Conclusion 

To sum it up:

It is essential to compare prices between providers and make sure you are getting the best deal for your needs before making any purchase decision. Of course, the suitable policy will depend on your destination, duration of stay, and pre-existing conditions but if you are well worth doing some research before buying one, it could save you money in the long run! For example, suppose you have a pre-existing condition such as diabetes or cancer. In that case, it will be more expensive than a typical policy would cost, so it’s worth knowing this information when deciding which plan to buy.

When browsing these sites, make sure to give them accurate information to offer their quote accordingly with no mistakes that may cost more than necessary later down the line when something goes wrong.


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