Purchasing travel insurance with pre existing medical conditions

Purchasing travel insurance is a must for anyone who intends to go on holiday. But the difficulty in obtaining travel insurance at an affordable premium for some sections of the population can be very difficult. For most, travel insurance is a quick search of the internet answer a few questions and you can feel confident that you have the most cost effective policy for your needs. However, those with pre-existing medical conditions almost always find it a big challenge to obtain travel insurance for existing medical conditions at an affordable premium.

Specialist Providers
Many specialist providers have emerged in the recent years to cater for people with these specific needs. Insurancewith is one of the specialist insurance providers who offer travel insurance for medical conditions, such as diabetes, cancer, cystic fibrosis, and many more. The premiums are obviously higher than standard travel insurance cover but getting travel insurance cover from a specialist provider is much cheaper than if you get it from a standard insurance provider and you have a medical condition.

Tips for Applying Insurance
One of the most important tips to keep in mind when applying for this type of insurance or any other type for that matter is to be completely honest on the application form. Be truthful and accurate when you explain and discuss your medical conditions. Lying in the application form has serious consequences, particularly if a claim is made, be very careful to declare everything even if you think it is inconsequential, for example you take tablets for high blood pressure so you no longer have high blood pressure, therefore you don’t mention it, tell your travel insurance provider everything and let them decide what is relevant or not, and make sure you get all your declarations in writing.

Shop around and don’t just depend on a price comparison site, pre existing medical condition insurance is very difficult to commoditise because medical conditions are very rarely the same in every person who has them, therefore quoting for this type of risk on a comparison site will not give you a true view of the products that are available to you, and the best premium available. It would also be worthwhile contacting the charities who support the condition you have, they will generally have a list of travel insurance providers who will offer cover for your particular condition. The cost of Pre-existing medical conditions travel insurance does tend to be higher than standard travel insurance, but it still pays to shop around and compare prices from different companies. This way, you can be assured that you will have access to the cheapest option for your needs. It is crucial to remember however that while cheap is good, it is not always the best choice, you should thoroughly examine the inclusions and features of the insurance policy to ensure that you are getting good value for your money.

It is important for every traveller to have travel insurance; it gives you financial protection against adverse circumstances such as illnesses, emergency evacuation, theft and loss, accidents, injuries, and much more. Even if you are suffering from a debilitating condition, you should not let the difficulty in finding cover discourage you from purchasing travel insurance.

To get a pre exisiting medical condition travel insurance quote, or for more information please click here or give our UK customer service centre a call on 0845 2 307 159.