Be careful of pre-existing medical conditions (Travel Insurance in general)

Member Name: charliebrown

Product:	Travel Insurance in general
Date:	09/10/01 (2220 review reads)
Rating:

Advantages: Can get cover for pre-existing conditions

Disadvantages: Will be charged extra

Be careful when buying travel insurance if, like me, you have a pre-existing medical condition which will not be covered by standard travel insurance. This may include things like, previous heart conditions, lung conditions, blood and blood pressure problems, cancer, or any condition for which you are currently on medication.

When looking for travel insurance for myself in North America, I was finding great quotes on the internet, and thought, brilliant! Cheap travel insurance! However, when I went to confirm these, they nearly all asked for any pre-existing medical conditions, and when I said yes, they all came back saying SORRY! We can't cover you! OR we will not cover you for anything related to your pre-existing medical condition.

Now the problem is, if you are going to North America, where medical costs are sky-high and no arrangement exists with the NHS, if you do need hospital treatment, or even just a consultation, you will end up with a huge bill which must be paid by you. And, even if you think the condition is not related to your previous problems, I'm sure the medical advisors of the insurance company will find some connection to avoid paying out, don't you??

So take my advice, always find a travel insurance company that covers pre-existing medical conditions, no questions asked. Expect to pay around £10 more for a single-trip insurance. And never be tempted to claim you do not have medical conditions when you do, otherwise you could forfeit your entire travel insurance, not just the medical part. I found that TEsco Personal Finance were the best, covering my condition with no added excess or special clauses, so now I can travel with confidence and peace of mind.

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