You can still get travel insurance if you have a pre-existing medical condition, such as cancer or diabetes.
However, you may need a specialist policy as not all providers offer cover for pre-existing conditions in a standard policy.
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.
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 is considered pre existing condition for travel insurance?
Travel Insurance and Pre-Existing ConditionsFor the purposes of buying travel insurance, a pre-existing condition is defined as any illness, disease, injury or other condition that happens prior to a plan’s effective date and for which you experienced symptoms or sought treatment.
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.
What counts as a pre existing condition?
A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions.
Is High Blood Pressure a pre existing condition for travel insurance?
Is high blood pressure considered a pre-existing condition for travel insurance? Yes, however high blood pressure is a pre-existing condition that is automatically covered by most policies at no additional charge unless it’s caused by another condition, like cardiovascular disease or diabetes.
What medical conditions affect travel insurance?
If you have had advice or treatment for any of the following conditions, standard travel insurance may not cover you:
- Heart conditions (including high blood pressure and high cholesterol)
- Breathing conditions (including asthma)
- Joint and bone inflammation.
- Gastrointestinal problems.