Can I Get Travel Insurance With Pre-Existing Medical Conditions?


If you have any medical condition, you are still eligible for travel insurance coverage*. However, since not all providers include coverage for pre-existing conditions in a basic policy, you could need specialised travel insurance.

If you have a medical issue and are concerned about getting the proper travel insurance, read on to know what to keep in mind while purchasing. Remember that you can now buy travel insurance online too.

What kind of medical issue qualifies as a pre-existing one?

A disease or injury that existed before or when you purchased insurance is a pre-existing medical condition. The definition and the duration of the pre-existing condition may vary among insurers. Also, the list of diseases that the insurer might consider as a pre-existing condition also differs.

Some of the most prevalent pre-existing medical issues that you must declare when purchasing travel insurance are:

  • Heart problems
  • Diabetes
  • Respiratory issues
  • Chronic disease
  • Joint and bone inflammation
  • Mental health
  • Pregnancy

How does specialised travel medical insurance operate?

A medical condition makes purchasing travel insurance different from normal policies. You would be questioned about your health and medical background; you should be as truthful and exact as possible. In some cases, you can also be required to undergo a medical test. Hiding any pre-existing medical conditions before the time of purchase can cause problems during the time of filing a claim.

Will an insurance company accept my application?

It depends on your health and how risky they see you as being. It operates as follows:

1. Find price

You must disclose if you or any members of your party have any of the following conditions:

  • Any condition for which you are awaiting an operation or test results;
  • Any condition, even a minor one, for which you have seen a doctor recently;
  • Any severe condition, such as cancer, heart issues, respiratory issues, or a terminal illness;

2. Review alternatives

Verify the policy’s specifics to ensure that it includes the level of coverage you require and any information or exclusions about your medical conditions.

3. Apply

Your medical history, symptoms, prescriptions, and upcoming and past appointments should all be disclosed honestly. You could be required to participate in a screening process and be asked for specific information.

This information may seem intrusive, but it helps insurance companies determine how probable it is that you’ll need medical attention while on vacation.

How can someone with a medical problem find the proper coverage?

Finding out what’s available and comparing the offerings is one of the most excellent methods to discover the correct travel insurance if you have a pre-existing medical condition. Evaluate the benefits and exclusions of each insurance and find lower rates to save money. You can also check if any insurer does not  have the prerequisite of going for a medical test and only requires your latest medical reports.

Using a travel insurance premium calculator, you will be able to find out the premiums for the shortlisted policies. Ensure the entire policy, not just the parts pertaining to your medical condition, meets your needs.

With a medical issue, how can I get travel insurance at a lower price?

Travel insurance could be more expensive if you have a pre-existing medical condition. But there are several actions you may take to get inexpensive medical travel insurance:

  1. Pay a higher excess: Your insurance company would typically reward you with a better price if you offer to pay a more significant amount.
  2. Take into account annual travel insurance: If you frequently travel, you may discover that an annual multi-trip policy costs lesser.
  3. Compare travel insurance quotes: Comparing quotes with the market is one of the quickest and simplest ways to acquire cost-effective travel insurance when you have a medical condition.

To sum up

Travel insurance policies normally cover pre-existing conditions. You must get the insurance at the same time or shortly after booking the trip. Also, it is very important to be honest and upfront about your existing medical conditions.

*Standard T&C Apply.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

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