Getting travel insurance for a senior with preexisting conditions is quite possible. Like any regular travel insurance policy, there are exclusions and many insurers will cover health conditions up to a certain age. As long as there are no complications, other pre-existing conditions will be excluded no matter the age.
When travelling with a senior who has medical conditions you might want to get them the best coverage to protect them from complications. Travelling can be quite stressful and getting travel insurance is a very smart step. This is a quick guide on how you can get such coverage and the steps you might need to take and also what to look out for.
What is a pre-existing medical condition?
This refers to any condition which is ongoing and could be either medical or dental which you are aware of, or have symptoms of. Any condition that you are currently seeking medical treatment for or have previously been treated for by a medical professional are also included under the umbrella of pre-existing conditions. Also any condition you are currently taking medication or had surgery within the last 12 months and pregnancy are also considered as pre-existing conditions.
It is important to note that pre-existing medical conditions apply not only to the person who buys the insurance policy but also to the travelling companion or close relative.
What pre-existing medical conditions are usually covered?
The most common conditions that are covered include High cholesterol, Asthma, Osteoporosis, Cataracts, congenital blindness, Hernia, Incontinence, Diabetes, High blood pressure, and Congenital deafness. Ensure that the senior you are buying travel insurance for has one or more of the above conditions.
There are also some conditions that are not covered by this insurance plan. When making your application, make sure to write out all conditions that the senior is facing or has faced as omitting any ailments could nullify the policy.
pre-existing medical conditions not covered
These medical conditions would require you to fill out a medical assessment form before cover can be granted or declined by the insurer. Common conditions that are often not covered include; Terminal illness, If you use an oxygen tank, If you take blood-thinning drugs, If you’re awaiting major or minor surgery, Cancer, Congestive heart failure, Recurring pain or Mental illness.
It’s important to realise that each insurer is different and they each cover these conditions differently. Some may cover more pre-existing conditions than others. To stay informed, you should check the full list of covered conditions then refer to your insurer’s policy documentation which is also called a Product Disclosure Statement.
What to do if you can’t find a cover
If you are unable to get a cover for the pre-existing condition, you could always buy regular travel insurance but this means you would not be covered for any damages resulting from your medical conditions. Look around different insurers to get the best deal and value for your money. On a final note, getting the best travel insurance coverage boils down to finding the best deal available for you.