Quick Answer: What Medical Conditions Do I Have To Declare For Travel Insurance?

Common conditions that need to be declared

Other medical conditions that you will need to declare to claim travel insurance include, cancer and high cholesterol and even conditions that you have recently had, such as a heart attack or stroke, as these increase the risk of needing medical treatment abroad.

What medical conditions affect travel insurance?

If you have had advice or treatment for any of the following conditions, standard travel insurance may not cover you:

  • Heart conditions (including high blood pressure and high cholesterol)
  • Breathing conditions (including asthma)
  • Joint and bone inflammation.
  • Gastrointestinal problems.
  • Diabetes.

Which travel insurance is best for medical conditions?

The best travel insurance for pre-existing medical conditions

  1. Saga – Annual Travel Insurance (Note: only available for Over 50s)
  2. Staysure – Comprehensive.
  3. M&S Bank – Annual Travel Insurance.
  4. InsureandGo – Black.
  5. All Clear – Gold.
  6. Age Co – Annual Travel Insurance (formerly Age UK)
  7. Covered2Go – Gold.

What is considered a preexisting condition for travel insurance?

Allianz Global Assistance defines a pre-existing medical condition as: An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy: Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor; Presented symptoms; or.

Can I exclude a medical condition from travel insurance?

Exclude the Medical Condition(s), you can still take out the Travel Insurance policy, but you are not covered for the specific Medical Condition(s).

What are examples of pre existing conditions?

A pre-existing condition is a health problem you had before the date that your new health coverage starts. Epilepsy, cancer, diabetes, lupus, sleep apnea, and pregnancy are all examples of pre-existing conditions.

Why are pre existing conditions not covered?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer. Once you have insurance, they can’t refuse to cover treatment for your pre-existing condition.

What is considered pre existing medical condition?

A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea, may be examples of pre-existing health conditions. They tend to be chronic or long-term.

Is High Blood Pressure a pre existing medical condition for travel insurance?

Is high blood pressure a pre-existing medical condition? As long as you have been formally diagnosed by a doctor – yes, high blood pressure qualifies as a pre-existing medical condition. And, you should definitely declare it when taking out travel insurance.

Is High Blood Pressure a pre existing condition for travel insurance?

Is high blood pressure considered a pre-existing condition for travel insurance? Yes, however high blood pressure is a pre-existing condition that is automatically covered by most policies at no additional charge unless it’s caused by another condition, like cardiovascular disease or diabetes.

Can I get travel insurance with an undiagnosed condition?

An undiagnosed condition is unknown, and therefore it is unknown if it will impact on a pre existing, diagnosed condition. Most travel insurance companies will offer cover for ALL medical conditions, or NO medical condition, regardless of any relation. It’s medical cover.

Is there a time limit on pre existing conditions?

Under the HIPAA guidelines, the maximum amount of time that you have to wait in order to get coverage for your pre-existing condition can’t exceed 12 months, or 18 months for late enrollees.

Do you need to declare anxiety on travel insurance?

Do I Have to Declare Anxiety on Travel Insurance? You should declare anxiety during the process of purchasing travel insurance. As a pre-existing medical condition, specific elements related to anxiety might not apply in a standard medical travel insurance policy.

Can you get travel insurance with a pre existing condition?

The short answer is no. Age may affect other aspects of the travel insurance plan such as the amount of medical coverage available or the premium of the policy, but it does not directly apply to the pre-existing condition exclusion.