What Medical Conditions Do You 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.

What is considered pre existing condition for travel insurance?

Travel Insurance and Pre-Existing Conditions

For the purposes of buying travel insurance, a pre-existing condition is defined as any illness, disease, injury or other condition that happens prior to a plan’s effective date and for which you experienced symptoms or sought treatment.

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 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.

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).

How is pre existing condition determined?

How are pre-existing conditions determined? A pre-existing condition is typically one for which you have received treatment or diagnosis before you enrolled in a new health plan. The ACA made it illegal for health insurance companies to deny you medical coverage or raise rates due to a pre-existing condition.

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.

What is a waiting period for a pre existing condition?

A prior or pre-existing condition is a condition or illness you were diagnosed with or were treated for before new health care coverage began. The wait time for your Medigap coverage to start is called a pre-existing condition waiting period.

What does the term pre existing condition mean?

Most insurance companies use one of two definitions to identify such conditions. Under the “objective standard” definition, a pre-existing condition is any condition for which the patient has already received medical advice or treatment prior to enrollment in a new medical insurance plan.

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.

Can I still fly with high blood pressure?

All forms of standard travel, including flying, are generally fine if you have high blood pressure and it is well controlled. However, if your blood pressure is unstable or very high then you should talk to your doctor before you make any travel plans.

What is considered high blood pressure life insurance?

Blood pressures in the range of 140/90 to 160/100 are considered stage 1 high blood pressure. Anything above 160/100 is stage 2 high blood pressure.

Which travel insurance for pre existing medical conditions?

Travel insurance for pre-existing medical conditions provides additional cover for conditions such as diabetes, heart disease and cancer. Providers offer this type of cover as some standard travel insurance policies will not pay out for pre-existing conditions.