Why ill health needn't mean travel insurance rejection

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by: bythesea
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Word Count: 421
Date: Mon, 21 Jun 2010 Time: 8:46 PM
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There's a widely-held assumption that those with pre-existing medical conditions take a big risk whenever they travel abroad because their condition will not be covered by their insurance. Thankfully, that's not necessarily the case.

While it's true that some insurance providers keep their premiums low by not offering cover for passengers with more serious health problems - those who have previously suffered from strokes or have cancer, for example - there are specialist travel medical insurance providers out there that will cover travellers who are suffering from a huge range of illnesses or conditions, from high blood pressure and diabetes to epilepsy and heart conditions. Mental health conditions such as schizophrenia can also be covered by such providers.

So while you may have encountered difficulty obtaining appropriate cover and been turned down by certain insurance companies because of you health record, there are still options available to you. Whichever provider you decide meets your needs, however, be sure to read the medical section of your chosen policy very carefully, ensuring that your condition is suitably covered before signing on the dotted line.

The most important thing about the whole process, of course, is to be completely honest when filling out the medical section of your policy. While it might be tempting to leave certain medical conditions off the form in the hope of securing a lower premium, it simply isn't worth the risk; if you find yourself in a situation where you need to make a claim due to an illness you were aware of but didn't divulge, then you'll be facing the very real possibility that you won't be covered, leaving yourself open to huge financial risk.

So, be honest. And if you're not sure if your condition warrants inclusion on the form, ask. Generally, a pre-existing medical condition is classed as an illness or injury that you, a travelling companion or family member are receiving treatment for or had symptoms of on the day you purchased your insurance - or, crucially, at any point in the preceding 18 months. Again, this may differ from policy to policy so be sure to go through the relevant sections with a fine-tooth comb.

Do some research online and find the right provider for you. By finding the right insurance provider for your trip and having a good policy in place you can eliminate worry and get down to the important business of enjoying your time away.

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If you're planning a holiday soon, why not find out more about travel medical insurance.