Will Travel Insurance Cover Pre existing Condition

The question -- will travel insurance cover a pre-existing condition? -- is an interesting one. The answer is that each insurer determines the terms under which it will extend coverage to an applicant. Some insurance companies will refuse to cover someone with a pre-existing condition while others will accept them under certain circumstances.

Arrange travel insurance before you leave on your trip.

What is a Pre-Existing Condition?

A pre-existing medical condition can be:

• A sickness
• A medical condition
• An injury

To be defined as a pre-existing condition, you must have experienced symptoms as a result of the medical condition and have sought, or received, treatment for the condition. In addition, the condition must have been present before your travel insurance policy came into force. You don't need to have been diagnosed with the condition prior to applying for the travel insurance in order for the condition to be considered pre-existing by the insurance company.

When Will Travel Insurance Cover a Pre-existing Condition?

Some insurance companies that carry travel insurance will provide coverage to a person with a pre-existing condition, but with limitations. For example, if your condition has remained stable for a certain period of time (usually a number of months), the company may agree to extend coverage. The insurer may also provide coverage if the applicant provides confirmation (either written or verbal) from their doctor that they are well enough to travel.

Medical Questionnaire

When you are looking for travel insurance, you may be asked to complete a medical questionnaire. It's important to be honest about your medical history and any conditions you currently have. This information is used by the insurance company to assess your level of risk and will affect the amount you pay in premiums.

If you need to make a claim and the insurer finds out that you withheld information, it may deny your claim, whether it is based on a pre-existing condition or not. Apply for travel insurance as far in advance of your trip as you can, and if you happen to be turned down by one company, you can look at other options.

Shop Around to Get the Best Deal

Coverage options and pricing will vary, depending on the insurance company. If you can do so, compare policies from several companies before deciding to apply for coverage. It may be tempting to buy your travel insurance policy from your travel agent when you book your trip, but the Internet has made it a lot easier to find information. With a few clicks of your mouse, you can check out travel insurance from several companies. Be sure to compare the cost of the coverage with the level of coverage you are getting. As much as possible, you want to compare apples to apples.

If Your Application Has Been Denied

If you apply for travel insurance and the company refuses to provide coverage, be sure to ask why you were turned down. It's possible the insurance company made an error when it processed your application. You can provide the correct information or clarify a point and ask the company to reconsider your application. Your other option is to find another company that offers travel insurance and apply for coverage through them.

Where to Find Travel Insurance for Pre-existing Conditions

If you are looking for an answer to the question, "Will travel insurance cover a pre-existing condition?," the answer is "Yes."

• You can get a quote for coverage by visiting Nriol.net. Input your age, your spouse's age, the level of coverage you are interested in ($50,000 to $1 million) and the length of time you are planning on being away.

• The Travel Insurance Center site provides information and quotes for travel insurance, including policies that cover pre-existing conditions.

• ServeGlobe also offers a number of different coverage options for travel insurance. Some plans do cover people with pre-existing conditions.

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