Understanding Pre-Existing Condition Coverage in Travel Insurance

Travelling with a pre-existing condition is a hassle in itself. You need to take care of yourself throughout the journey, and if you fall ill, it can become a financial crisis in an unknown country. However, if you have insurance for foreign travel, you can be at ease.

Do travel insurance companies cover pre-existing conditions? This blog will answer all your questions about travel insurance for pre-existing conditions.

What are Pre-Existing Medical Conditions?

A pre-existing condition is any illness or medical condition that existed before taking travel insurance. It refers to any health condition or disease diagnosed or undergoing treatment within the last 48 months.

Pre-existing conditions can include chronic illness, surgeries or any other health condition for which you have been receiving regular medical attention before buying travel insurance health coverage.

Importance of Pre-Existing Travel Insurance Coverage

For Pre-Existing Medical Coverage

You should buy health insurance with coverage for pre-existing conditions to cover medical expenses. For example, if you recently had cardiac surgery and developed allergic symptoms during your foreign trip, travel health insurance will provide appropriate coverage for your medical expenses or hospitalisation.

For Managing Finances

Managing finances and maintaining health can be stressful. However, travel insurance can ease your worries about handling finances. The insurer will cover all medical expenses and settle them directly with the hospital.

For Peace of Mind

People go on trips and tours to relax and get a break from their mundane lives. With pre-existing travel insurance coverage, you can be completely at peace and your health protected even in a foreign nation.

Does Travel Insurance Cover Pre-Existing Conditions?

Travel insurance providers have their own rules for medical conditions and health insurance. Some companies provide comprehensive coverage, including pre-existing conditions, while others provide pre-existing condition coverage as an optional add-on.

Thus, it is crucial to read policy documents to look for pre-existing coverage and confirm with the insurer. Moreover, it is important to understand how coverage of pre-existing conditions can affect the policy premium price. After careful consideration, choose the best plan that fits your budget.

Why Should You Inform Your Insurer of Pre-Existing Conditions?

While buying a travel insurance policy, it is wise to be transparent with your insurance provider. You must give them all the necessary details regarding your health conditions and any previous illness or operations.

Providing your insurers with information about your pre-existing illnesses helps them suggest better coverage plans and protect you from financial crises in emergencies.

However, if you fail to disclose all the details of your pre-existing conditions to the insurer, it can create trouble for you. In case of any medical emergency due to your pre-existing condition, you cannot make an insurance claim. Even if you make a claim, the insurance company can reject it on the grounds of failure of full disclosure of information.

Thus, be mindful and provide an insurer with all the information needed to avoid any inconvenience during the claim procedure.

Considerations When Buying Pre-Existing Medical Condition Holiday Insurance

When you are travelling, it becomes essential to note any major changes in your health or pre-existing conditions. Before you apply for pre-existing travel insurance, it is better to understand what is considered a pre-existing condition.

• Any condition that requires you to take prescription medicines.
• A medical condition that requires you to undergo surgery or you have already undergone one.
• Any health condition that you are aware of.

If you discover any of these medical conditions, it is advisable to take travel insurance with pre-existing condition coverage. Moreover, it is always wise to buy a travel insurance plan with no restrictions on capping, as many insurers tend to cap pre-existing coverage at coverage for only one illness.

Wrapping Up

Traveling is fun, but it is also important to take care of your health while exploring the world, especially if you are aware of your pre-existing health concerns. Neglecting these conditions can only lead to health risks on a trip or claim rejection during an emergency.

Thus, choose a reliable insurance provider like TATA AIG, which offers comprehensive travel insurance. This will ensure that you stay secure throughout your trip and enjoy your foreign stay without any worries