Pre-existing medical conditions and travel insurance

A pre-existing medical condition is defined for insurance purposes as a medical condition or symptom of a condition that you are aware of at the time of applying for insurance. A
medical condition that you are having or have had treatment for in the past (often
in the 90 days before applying for insurance), received prescribed medication.
Also, A medical condition that you have previously had surgery for (often in
the 12 months before applying for insurance)

In the insurance industry, the majority of travel insurance does not provide coverage for pre-existing conditions. Depending on your age and condition, senior people have fewer insurers to choose from, which means that they might have to shop around a bit more for the right cover with fewest exclusions. However, several insurers don’t have blanket exclusions, and will consider any age including travelers over 100 years old and any condition, including terminal illnesses. These will help senior people to get travel insurance and travel the world with peace of mind even though they have pre-existing conditions.

Why should I buy travel insurance as soon as possible?

It is a fact that you have a medical condition and any moment the situation could worsen. The travel insurance will step in to cover for your medical condition even though you have not yet travel for vacation or canceled the trip. It is advisable to buy the travel insurance policy immediately you book your vacation even if its months.

Why is pre-existing medical waiver important?

When you have a pre-existing medical condition, it is
imperative to the insured subject to give the medical waiver in order to get
the travel insurance policy. the waiver helps the insured subject to get
coverage without her insurance company checking her medical.

Medical Cover; the senior insurer subject might develop some medical conditions. The policy should contain comprehensive medical coverage including transportation. This will be useful in an emergency case when the senior will need medical treatment and transportation.

Your senior travel insurance should cover the following:

Emergency Evacuation-in case of emergency, the travel policy kicks in and ensures the insured subject can be transported to get medical attention.

Repatriation of Remains-the
insured subject body will be transported back home. The costs are covered under
the travel policy.

Hospital Room and Board-the insured subject has fallen sick and the travel policy kicks in and covers the costs.

Trip Interruption or Delays-the travel insurance immediately kicks when, unfortunately, there is trip cancellation or delays.

Accidental Death Coverage-the travel insurance cover kicks in
case of death occurring during the trip.

Accidental Death Coverage-the travel insurance cover kicks in case of death occurring during the trip.

Bottom Line

The insurance premium rate of seniors is very high. It is advisable to shop around for several coverage policies. It’s crucial to look for a policy package that suitable to your needs and does not strain your budget when it comes to payment. It is very important to get a medical check-up to access your health before you travel and remember to purchase a travel insurance policy.

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