For those of you out there who already have a pre-existing condition, especially one that is known for being relatively serious, looking for a good travel insurance policy that comes with a good rate may be a challenge for you to face. But then again, you must never give up not lose hope, rather, take comfort in the fact that all the efforts you will exert will eventually come to fruition as travel insurance that have pre-existing conditions really does exist and their rates and basically dependent on the nature of your illness.
We know that these insurance companies are aware of the fact that they really are taking great risk when they are insuring someone who is know to have a history of a health issue since they are the one to be more likely in need of medical care and attention while traveling. You can actually say that this is the reason why most of the time, when insurance companies encounter clients who are applying for a travel insurance policy and are suffering from any health related concerns, they either charge them high for the coverage or exclude the said condition in the policy.
Surely, whenever you think about the term pre-existing condition, you will ask yourself what it is and what does an insurance company consider as one. Talking about pre-existing conditions, to be more precise, these are the illnesses or the diseases that the applicant has been diagnosed in the past and though, they may claim that they are already cured of it, it will still fall under the said category. In addition to that, if you already have symptoms of an illness, albeit the fact that it has not bee diagnosed yet, it will also fall under the pre-existing condition when the time comes that you will purchase a travel insurance.
The next thing about pre-existing conditions that we want you to know of is that it can come in various forms like chronic health problems such as asthma or an acute disease like an infection. As what we have mentioned, if these conditions are present before the policy was issues, the holder will either fall under exclusions or they could be ground for a much higher premium on the policy.
When searching for a travel insurance policy that already has pre-existing conditions, one thing that we want you to do is to ask for quotes since by asking for quotes, you are preparing yourself for the amount you have to pay for it. Now, when asking for quotes, make sure that you are disclosing your condition in its entirety and not hold anything back as you are risking the insurance policy you have once the company finds out about it.