Travel insurance is important for anybody and everybody who loves to travel to different places all around the world. If you insure the travel plans you will be able to save yourself and your family from losing money during the trip. When you go to a new place, various kinds of unavoidable circumstances can occur and as a result, you may even be required to shell you quite a large amount of money. This can create problems for you and your credit too. So, it would be best for you to insure yourself while traveling.
The pre-existing medical conditions
There are various forms of pre-existing medical conditions that can make it tough for you to be eligible to get travel insurance. This is because, if any serious kinds of pre-existing medical condition are there, you can in all probability fall sick during your travel and that can cost the insurance company more. So, even if you can get any travel insurance you will be required to get a whole coverage or expensive policy.
There are different forms of pre-existing medical conditions and these can be Angina, Anaphylaxis, Anxiety, Arthritis, Asthma, Atherosclerosis, Atrial fibrillation, Blood Pressure, Bowel cancer, Breast Cancer, Cancer, Cholesterol, Coeliac disease, Colitis, COPD, Crohn’s disease, Cystic fibrosis, Depression, Diabetes, Diverticulitis, Epilepsy, Gastroesophageal reflux, Glaucoma, Haemophilia, Heart condition, Hepatitis, Hernias, Hydrocephalus, Hypertension, Immunodeficiency Illnesses, Irritable bowel syndrome, Multiple Sclerosis, Non-Hodgkin’s Lymphoma, Leukaemia, Lumpectomy, Myeloma, Osteoporosis, Over 70, Over 80, Pancreatitis, Parkinson’s disease, Prostate cancer, Sickle cell anaemia, Stroke, Terminal Illness, Thyroid conditions.
However, the coverage offered by different insurance companies differs from one another. There are various other pre-existing conditions too. If the insurance company you are planning to buy the policy from excludes any of the pre-existing condition from your coverage, there are options for you to buy a policy that has the exclusion on existing health condition and then try and purchase another supplementary policy that has the provision to cover only that health condition which have been excluded in the primary insurance policy. There are various associations which can offer advice on the different forms of supplemental coverage that are available for you. So, if you are in need of buying a supplemental plan, you can take the help of such institutions.
Another thing which is extremely important for you to remember is that you should never try to hide any of your pre-existing medical conditions in your answers to the insurance company while buying the policy.
Author Bio: Idania Silvia is a financial writer who is associated with “ampminsure”. She has written various kinds of insurance based articles for different financial websites. For more details regarding her works and about travel insurance and pre-existing medical conditions, you can check out http://www.ampminsure.org/
