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.
We know that these insurance companies are aware of the fact that they really are taking great risk when they are insuring someone who is know to have a history of a health issue since they are the one to be more likely in need of medical care and attention while 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.
Surely, whenever you think about the term pre-existing condition, you will ask yourself what it is and what does an insurance company consider as one. 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. Furthermore, we want you to know as well that if you already have symptoms of an illness, though it may have not been diagnosed yet, it will still be considered as a pre-existing condition by the time you will apply for a travel insurance.
Another thing that you should be aware of with regards to pre-existing conditions is that it come in different forms like an acute disease such as infection or it could be a chronic health problems such as asthma. We have already stared above that if the conditions we mentioned are present prior to the issuance of the policy, there are only two things bound to happen, either they will be subjected for a higher premium on the policy or they fall under exclusions.
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. Now, when asking for quotes, make sure that you are disclosing your condition in its entirety and not hold anything back as you are risking the insurance policy you have once the company finds out about it.