Who is best for travel insurance with pre existing conditions?
The best travel insurance for pre-existing medical conditions
- Saga – Annual Travel Insurance (Note: only available for Over 50s)
- Staysure – Comprehensive.
- M&S Bank – Annual Travel Insurance.
- InsureandGo – Black.
- All Clear – Gold.
- Age Co – Annual Travel Insurance (formerly Age UK)
- Covered2Go – Gold.
What is classed as pre existing medical condition for travel insurance?
Travel insurers class a “pre-existing medical condition” as an illness that you have had symptoms of or treatment for before your insurance being taken out, regardless of whether this is short-term or long-term. Additionally, mental illnesses must also be declared before travelling.
Does any travel insurance cover pre existing conditions?
Travel insurance plans have an automatic exclusion for pre-existing conditions, which means they do not cover costs related to a pre-existing condition. Having pre-existing coverage means that the medical coverage provided by your policy is in effect because the pre-existing exclusion is waived.
What pre existing conditions are not covered?
Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.
Do I need to declare pre existing medical conditions for travel insurance?
Always declare your medical conditions or you likely won’t be covered. A pre-existing condition is about physical and mental health conditions you’ve seen a doctor about or had ongoing medical treatment for.
Is High Blood Pressure a pre existing medical condition for travel insurance?
High blood pressure is considered to be a ‘pre-existing medical condition’ by insurers. If you don’t tell them and then you need to claim as a result of the condition, then your policy may not pay out.
What is an example of a pre existing condition?
A pre-existing condition is a health problem you had before the date that your new health coverage starts. Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.