The Benefits of Specialist Travel Insurance for People with Pre-Existing Medical Conditions

[Simon Hopes]

There’s no reason why people who’ve been ill in the past or required a surgical procedure can’t see the world just like everyone else. Nowadays, many insurance companies have created specialist travel insurance policies for senior travellers and travellers with pre-existing medical conditions, so sourcing a travel insurance policy that covers you and your specific medical history is no longer a problem if you’re planning on travelling abroad to an exciting destination in the near future.

If you’re yet to purchase a specialist travel insurance policy that covers you for any eventuality and takes into account your specific medical history and the destination to which you’re travelling, you’re advised to do so, and quickly, as there are many benefits to taking out specialist travel insurance for people who have been diagnosed with a medical condition, including the following:

Costly Medical Procedures and Treatments are Covered

Medical treatment can be very expensive abroad, and not only in countries that are famous for the high cost of their healthcare, like the United States, which is one of the most expensive places to seek medical treatment in. All travellers who are visiting the US need to make sure they’re adequately covered for any eventuality as the cost of seeking medical assistance here is exorbitant, to put it mildly.

Most travel insurance policies cover the costs that are incurred by emergency medical treatment and the need to repatriate a traveller due to a serious accident or illness. However, what you need to bear in mind, is that the premiums travellers pay for the average insurance policy don’t take into account existing medical conditions that make a traveller more likely to require medical assistance than others.

As you can well imagine, insurance companies don’t want to pay out unless they need to and they’re definitely going to find a means of not paying for medical treatment incurred by a traveller with pre-existing medical conditions, no matter how minor those conditions may seem. As a result, you may need specialist insurance if you have a pre-existing medica... abroad, even for a medical condition that’s considered relatively minor and hasn’t required you to seek medical treatment of any kind for some time.

It doesn’t pay to take any chances with insurance and travel, especially given the nature of insurance companies and their unwillingness to pay for anything that isn’t required of them, so look for insurance policies that have been designed specifically for people with pre-existing medical conditions. Don’t take any chances with your health and wellbeing when travelling abroad, make sure you’re covered and that you can always seek medical treatment.

The Right Level of Cover

As you’re surely aware, there’s no one size fits all level of travel cover because everyone’s needs are different due to a variety of factors, including their age and medical history, not to mention the fact that medical costs differ from country to country, so different levels of cover are required for people of different ages as they travel to different countries and regions around the world.

That means that the right level of insurance cover is essential whether you’re a young and fit traveller off to see the world for the first time, or you’re an older, more experienced traveller with a lengthy medical history. Imagine what would happen if you were travelling in an exotic part of the world and weren’t covered by a leading insurance provider. Healthcare is rudimentary at best in many parts of the world if you don’t have the money to pay for treatment, so you would be putting your health, your wellbeing, and maybe even your life, at great risk if you chose to travel abroad without the right level of cover.

This makes it essential that people with pre-existing medical conditions take out the right level of insurance cover by applying for a specialist travel insurance policy on a website that enables them to procure quotes from the leading names in specialist travel insurance. There are a few websites that enable you to do this, and there are numerous benefits associated with using these websites, including:

• Saving yourself time – It can be quite time-consuming completing more than one application form in order to procure quotes from more than one travel insurer.
• Less room for error – As many people have realised, as it’s so tedious completing application form after application form, it’s easy to get careless and that’s when mistakes happen. If you enter the wrong information or omit something important, it may cause problems down the line.

In order to take out the right level of insurance cover, save yourself time and limit room for error, procure multiple quotes online by using a medical travel comparison website.

Peace of Mind

And lastly, there’s also the peace of mind that comes with knowing that you’re completely covered while travelling abroad, something that you can’t put a price on.  For many people, having a medical condition that requires regular treatment is an issue at home and, naturally, it becomes even more of an issue when travelling abroad.

Consequently, many people find that they feel much more confident and are better able to enjoy their time experiencing new cultures and locations around the world when they’re covered by a comprehensive travel insurance policy that covers them for their pre-existing medical conditions.

Whether you’re an older traveller with a lengthy medical history or someone who’s in their 20s or 30s and has recently undergone a surgical operation, there are many benefits to taking out a specialist travel insurance policy, one that covers your pre-existing medical conditions, from a leading travel insurer.

Don’t take any unnecessary risks on your next exciting holiday abroad that may endanger your health and wellbeing, make sure you take out the right level of cover and enjoy the peace of mind that comes with knowing you’re going to receive first-class medical attention whenever and wherever you need it.