Can I get senior travel insurance if I have pre-existing medical conditions?
The answer is yes, but like any travel insurance policy there are exclusions to all policies. Many insurers will cover health conditions up to a certain age, provided there aren’t complications, other pre-existing conditions will be excluded regardless of age.
What is a pre-existing medical condition?
An ongoing medical or dental condition which you are aware of, or have symptoms of. A condition you are currently seeking medical treatment for, or have previously been treated for, by a medical professional. A condition you are taking medicine for currently or you’ve had surgery for, in the past 12 months. Pregnancy is also considered a pre-existing medical condition.
Note: pre-existing medical conditions apply not only to the person who buys the travel insurance policy, but also your travelling companion or close relative.
Can I still get travel insurance if I’m over the age of cover for a pre-existing medical condition?
Yes, but you will be required to supply your insurer with a medical declaration form. You may have to pay extra to cover certain conditions.
What typical pre-existing medical conditions are covered?
Typical conditions that are covered automatically include High cholesterol, Asthma, Osteoporosis, Cataracts, congenital blindness, Hernia, Incontinence, Diabetes (if you were diagnosed more than 12 months ago and have no kidney or eye complications, you do not suffer from hypertension or hypoglycaemia, and you are under 50 years of age), High blood pressure (provided you do not suffer from cardiovascular disease or diabetes) and Congenital deafness.
What typical pre-existing medical conditions are not covered?
Terminal illness, If you require oxygen for your holiday, If you take blood thinning drugs, If you’re awaiting surgery, Cancer, Congestive heart failure, Recurring pain or Mental illness (including dementia).
It’s important to realise that each insurer is different and some may cover more pre-existing conditions than others.
For see a full list of covered conditions refer to your insurers policy documentation known as a Product Disclosure Statement.
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