For those of you out there who already have a pre-existing condition, especially one that is known for being relatively serious, looking for a good travel insurance policy that comes with a good rate may be a challenge for you to face. Yet, there is nothing for you to worry about as hope is not lost yet since today, there really exist travel insurance policies with the said conditions above and the rates they have are usually based on the nature of the illness of the holder or your illness.
Almost all insurance companies out there know that if they are going to insure a person who is known for having a health issue, they are taking a greater risk since these individuals are the ones who are more likely to be in need of medical care and attention when traveling. This is the very reason why more often than not, they tend to either exclude this kind of condition in the travel insurance policy they offer or charge them with a higher rate for giving them the coverage.
For sure, the same as many of who are reading this article, you also want to know about what an insurance company think or consider as a pre-existing condition. Talking about pre-existing conditions, to be more precise, these are the illnesses or the diseases that the applicant has been diagnosed in the past and though, they may claim that they are already cured of it, it will still fall under the said category. And also, there goes the fact as well that if you already have symptoms of disease, even if it is not diagnosed yet, by the time you will apply for a travel insurance, it will fall under the pre-existing condition category.
There are other things that we want you to know with regards to pre-existing conditions like the fact that they can come in the form of chronic health problems asthma or acute diseases like infections. Once again, if the condition or conditions were already present before the policy has been issued, there are only two things bound to happen, either the applicant will fall under exclusions or they have to pay a higher premium on the policy.
If you are going to look for a travel insurance policy with pre-existing conditions, we suggest that you ask for quotes first as this way, you will determine the amount of money you will allocate for it. When you ask for quotes, always make sure that you are being honest and that you are entirely disclosing the condition that you have without leaving any substantial information behind.