Short Course on Services – Getting to Square 1
If you happen to already have a pre-existing condition, particularly one that is considered as relatively serious, and you are searching for the right travel insurance policy, this may pose as some sort of a challenge for you to face. But then again, you must never give up not lose hope, rather, take comfort in the fact that all the efforts you will exert will eventually come to fruition as travel insurance that have pre-existing conditions really does exist and their rates and basically dependent on the nature of your illness.
Insurance companies are fully aware of the fact that they are taking a much greater risk if they are going to insure someone who is know to suffer from a health related concern since these people are more likely to be in need of medical care when they are 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. As what we have mentioned, if these conditions are present before the policy was issues, the holder will either fall under exclusions or they could be ground for a much higher premium on the policy.
When searching for a travel insurance policy that already has pre-existing conditions, one thing that we want you to do is to ask for quotes since by asking for quotes, you are preparing yourself for the amount you have to pay 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.