If you have a pre-existing medical condition then you are in for a rough road in trying to find adequate comprehensive insurance that will completely cover you. Whether it is an ongoing condition, or a one-off that happened ten years ago and seems unlikely to happen again, insurance companies will immediately cast you into that category of high-risk. This not only means that they will up the cost of your insurance, but in some cases they can flat-out refuse to offer you any cover at all. There are a number of insurance companies that will offer you travel insurance despite your medical history, you just need to have a gander.
How can I find a company that will cover pre-existing medical conditions?
Doing a quick search online is probably the easiest way to find these companies, as many of them will advertise that they cover pre-existing conditions. Once you have found a few different companies, you will be able to get a few quotes to compare prices. Remember, the price of a comprehensive insurance policy you see online is often not the total cost for insurance if you are having a pre-existing medical condition covered. Make sure you look through the general exclusions in each policy, as well as any extra information they offer about pre-existing conditions, as there will be some medical conditions that are automatically covered in the policy and likewise some that are excluded. If you’re unsure, the best option is to call the company and speak to someone yourself. This way you can ask about any extra costs and they can also explain the procedure of applying for this extra cover.
How will I know if it’s a good deal?
As with all insurance, to know that you’re getting a good deal you need to do your research. Many people compare insurance companies simply based on their prices and tend to go for the cheaper option without really looking into the product that they are buying. Rather than going with price alone, have a look at the levels of cover and make sure you are buying a policy that will suit you and your travels. It may cost a heap extra to have your pre-existing condition covered, but if you’re going to be paying anything at all then it is much better to know that you have a good comprehensive cover that will cover any medical accident rather than only going halfway.
Always be thorough in your research. If you have any doubts then take the time to call the company and go through your worries with them as that’s what they’re there for. Once you feel confident with the level of medical cover the policy is offering, then it really comes down to comparing the rest of the insurance cover. If you are renting a car overseas then you should look for rental vehicle excess cover. If you are taking expensive luggage with you then you should find out the maximum amount each individual item can be covered to.
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