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Tips for Buying Travel Insurance If You Have a Pre Existing Medical Condition

Travelling with a pre-existing medical condition can be daunting. However, it can be made much less traumatic by making sure that you have the correct level of insurance. This means letting the insurance company know that you have a medical condition. Here, we are going to provide you with a few tips to buying travel insurance pre-existing conditions. Is important that you understand how to buy travel insurance pre-existing condition, otherwise you might not receive the correct level of insurance. This can mean paying a lot of money out in the event that something happens to you while you’re on holiday. You can avoid this by following the instructions below and buying the correct insurance.    


Do you need to declare your medical condition?

Although you don’t need to declare every medical condition, is often best practice to do so. If you don’t, you might find yourself in a sticky situation while abroad. Most insurers recommend that you ensure yourself if you have the following conditions:


  • Asthma
  • Epilepsy
  • Heart attack
  • High cholesterol
  • Mental health conditions
  • Neurological disorders
  • Recent surgery


This is not an exhaustive list, but these are the conditions that most people generally declare. If in doubt about the medical condition, talk to the insurer. They will usually recommend cover and although it isn’t always needed, it’s better to be safe than sorry.


Where are you travelling?

Different countries have different rules concerning their Health Care provisions. Most people reading this article will be based in the UK, so we we’ll tailor the advice to you. If you’re travelling within the EU, you only really need the E111 card. This gives you access to European hospitals and is paid for by the NHS. It only works if you’re resident in the UK or other European countries and have paid the required National Insurance, or are younger than 18 or have otherwise been exempt from National Insurance contributions.


If you’re travelling outside of the EU, it makes sense to buy travel insurance. Some countries, like the USA, require that you have the travel insurance if you want to enter the country. You may be refused entry if you don’t have adequate cover. Before you buy your holiday, do some research into the rules of insurance pertaining to their country? If you don’t, you may find that you’re not allowed into the country or, worse, that’s something happens while you’re there and you’re not insured. If this happens, you can be left with a hefty bill. Sometimes, they will keep you in the country until you’ve paid, or have arranged to pay, the bill in full. This can be avoided by buying the right insurance policy. If in doubt, talk to your insurer. They have much more knowledge about the rules and regulations of specific countries.


Don’t buy a policy solely based on its costs.

Many people make the mistake of buying the cheapest policy they can find. Unfortunately, the cheapest policy is often also the worst policy. It’s cheap because it doesn’t offer adequate cover. When buying your policy look for what features it offers rather than the price alone. Price matters when comparing each call policies, but it is irrelevant when you’re comparing policies of different quality.