If you happen to already have a pre-existing condition, particularly one that is considered as relatively serious, and you are searching for the right travel insurance policy, this may pose as some sort of a challenge for you to face. However, if there is one thing that we want you to do, that would be to never lose hope and give, instead, take comfort in the fact that all the efforts you have will be rewarded in the end as travel insurance with these types of conditions really exist and the rates they have are based on the nature of your illness or the illness of the insurance holder.
Almost all insurance companies out there know that if they are going to insure a person who is known for having a health issue, they are taking a greater risk since these individuals are the ones who are more likely to be in need of medical care and attention when traveling. That is why in most cases, what insurance companies often do is to either exclude the said condition in the travel insurance policy they offer or charge them a much higher rate for being given the coverage.
For sure, the same as many of who are reading this article, you also want to know about what an insurance company think or consider as a pre-existing condition. To put it simply, a pre-existing condition refers to illnesses or diseases that the applicant has been diagnosed in the past and even if it has been cured, it will still be considered as one. And also, there goes the fact as well that if you already have symptoms of disease, even if it is not diagnosed yet, by the time you will apply for a travel insurance, it will fall under the pre-existing condition category.
There are other things that we want you to know with regards to pre-existing conditions like the fact that they can come in the form of chronic health problems asthma or acute diseases like infections. We have already stared above that if the conditions we mentioned are present prior to the issuance of the policy, there are only two things bound to happen, either they will be subjected for a higher premium on the policy or they fall under exclusions.
When searching for a travel insurance policy that already has pre-existing conditions, one thing that we want you to do is to ask for quotes since by asking for quotes, you are preparing yourself for the amount you have to pay for it. When you ask for quotes, always make sure that you are being honest and that you are entirely disclosing the condition that you have without leaving any substantial information behind.