International travel insurance may not be available if you are suffering from a medical condition. Although there are travel insurance policies that are available for people with pre-existing medical conditions, these policies are not usually free. It is a smart idea to purchase insurance prior to your trip. However, you should ensure that you carefully review all details before signing up for any insurance plan. You should also be sure that you understand the condition you have and how it will affect your coverage.
There are many kinds of pre-existing diseases. They include injuries, illnesses, and prescription medications. These include heart disease, kidney disease and liver disease, as well as cancer, arthritis, depression, and cancer. Often, these conditions are in remission for years before they suddenly reappear before your trip. You will need to declare any pre-existing conditions when you purchase a plan. Your information will be used to help an insurer determine whether you are eligible.
In general, a travel insurance policy will cover the cancellation or interruption of your trip due to injury or illness. If your injury or illness is severe, you can get some reimbursement from the plan. Your insurance provider will also pay for medical expenses incurred during your trip. The policy you have may offer a waiver to pre-existing medical conditions. In either case, your premium could be higher than normal.
It is best to consult your doctor before you purchase travel insurance. Certain conditions such as diabetes are covered by your insurance. However, it is important to keep your blood sugar under control. Some conditions are not covered like pregnancy. A waiver for pre-existing medical conditions is recommended if you are covered by your medical insurance.
Pre-existing condition are conditions that were present before you bought your plan. They must be current within 60 to 180 calendar days of the effective date of your travel plan. As long as you have had them for this amount of time, you will likely be able to obtain a pre-existing condition waiver. Your premium for a pre-existing condition waiver will depend on the type of pre-existing condition you have and the severity of the condition.
Pre-existing condition are usually considered by travel insurers. In order to determine your eligibility, many travel insurance companies will examine whether you have had any pre-existing conditions in the past, how they were treated, and if the condition has worsened since you purchased the plan. Depending on the company, they might ask you to submit records of your medical history from the last five year.
Pre-existing conditions refer to an injury or illness you suffered prior to your trip. It does not have to be a health issue. In the event of an emergency, your travel insurance policy will not cover medical costs.