Understanding Travel Insurance Coverage for Individuals with Pre-Existing Medical Conditions

 "Understanding Travel Insurance Coverage for Individuals with Pre-Existing Medical Conditions"

Understanding Travel Insurance Coverage for Individuals with Pre-Existing Medical Conditions

Can I buy travel insurance if I have an existing medical condition?

 Yes, it is usually possible to purchase travel insurance even if you have a medical condition. However, the terms of insurance may vary depending on the insurance company and the details of the medical condition.

When purchasing travel insurance, it is important to inform the insurer of any existing conditions. This will allow you to assess your risk and determine if your symptoms can be covered. Some insurance companies offer coverage for existing medical conditions as part of their standard policy, while others require you to purchase additional coverage or pay a higher premium.

 Here are some important points to keep in mind:

1. Disclosure:

When applying for travel insurance, it is important to provide accurate and complete information about your medical condition. Failure to disclose a pre-existing medical condition may void your insurance and may jeopardize your coverage should you require medical assistance while traveling.

2. Medical evaluation:

Depending on the severity and nature of your pre-existing medical condition, your insurance company may require a medical evaluation or medical records from your health care provider. This helps us assess the level of risk involved and make decisions about coverage.


Travel insurance policies differ in terms of coverage for pre-existing conditions. Some policies completely cover all aspects of the condition, while others cover unforeseen emergencies but exclude routine medical care related to the condition. It is important that you read the policy terms and conditions carefully and understand the coverage offered.

 4. Higher Premiums or Deductibles:

In some cases, insurance companies may charge higher premiums or charge higher deductibles for people with pre-existing medical conditions. This reflects the increased risk associated with coverage for these conditions. The exact details of premiums and deductibles depend on the insurer and the nature of the illness.

We recommend researching and comparing travel insurance options from different insurers to ensure you get the insurance that best suits your needs. Consider contacting your insurance company directly or a licensed insurance broker who can guide you through the process and help you find suitable insurance. 

Here are some tips for getting travel insurance for pre-existing medical conditions.

  • Look around and compare guidelines. Not all travel insurance is the same. Some policies may cover pre-existing conditions better than others.
  • Be honest about your health. When applying for travel insurance, it is important to be honest with your insurance company about your medical condition. If you do not disclose your status and require a claim, your insurance company may deny your claim.
  • Please inquire about exemptions for pre-existing conditions. Some travel insurance companies waive existing conditions. These waivers can help you get insurance for existing medical conditions, but may result in higher premiums.
  • Consider purchasing additional insurance. In addition to standard travel insurance, you may also consider purchasing additional coverage such as medical return insurance or trip cancellation insurance. This additional coverage helps protect you in the event of a medical emergency or trip cancellation.

If you have any questions about travel insurance for pre-existing medical conditions, please contact your insurance company directly.

Previous Post Next Post

Contact Form