subject: Travel Insurance for People with Medical Conditions [print this page] Travel Insurance for People with Medical Conditions
Getting travel insurance is a must for everyone who intends to go around and out of the country. But the difficulty of the application process differ per every situation. Even though most people would want to experience no hardship getting insurance, those with pre-existing medical conditions almost always find it a bigger challenge to obtain international travel insurance. While other people can always get visitors health insurance from high street banks and insurance companies, people suffering from serious illnesses within the last two years will not enjoy the same convenience.Specialist ProvidersIt is fortunate that specialist providers emerged in the recent years to cater to people with these specific needs. Specialist insurance providers give insurance coverage to people who have pre-existing medical conditions. Many of these providers offer comprehensive travel insurance to people with health problems such as heart disease, diabetes, cancer, epilepsy, and many more. The premium is obviously higher than the usual insurance coverage but getting insurance coverage from a specialist provider is definitely much cheaper than if you get from a standard insurance company and you have a medical condition.Tips for Applying InsuranceOne of the most important tips to keep in mind when filing for this type of insurance or any other type for that matter is to be completely honest in the application form. Be truthful and accurate when you explain and discuss your medical conditions. Lying in the application form has serious consequences including denial of the insurance application. Be very careful since even just omission of information can be considered as a dishonest act. Even though telling the truth would literally pay a higher price, the comprehensive coverage would be more than worth the cost.Submit complete requirements. Requirements vary depending on the insurance company. However, most insurers require applicants to submit an application form along with medical reports that discuss in detail the person's medical conditions. It may also be necessary to submit a written form or letter from the applicant's doctor. It is vital that you submit complete requirements. Incomplete documents may result in the delay or denial of your insurance application.Shop around extensively. Even though pre-existing medical condition travel insurance always cost higher than regular insurance, it still pays to shop around and compare prices from different companies. This way, you can be assured that you will have access to the cheapest option. It is crucial to remember however that while cheap is good, it is not always the best choice. That is why, when you make your comparison shopping, you should thoroughly examine the inclusions and features of the insurance policy to ensure that you are getting good value for your money. You would definitely want your investment to be worth it.Getting travel insurance is important for any traveler. It assures financial protection against adverse circumstances such as illnesses, emergency evacuation, theft and loss, accidents, injuries, and many more. Even if you are suffering from a debilitating disease, you should not let the high premium cost discourage you from purchasing travel insurance.
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