PRE-EXISTING MEDICAL TRAVEL INSURANCE
Ask how to discuss existing medical conditions through the appropriate private process.
Specialist cover for travellers with declared medical conditions for safer, confident travel.
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That you have a medical condition shouldn’t mean that you lose your peace of mind while travelling no matter where you’re going, our pre-existing medical travel insurance policies provide you with reliable coverage that you can trust, in clear and unambiguous terms.
Here are some common pre-existing conditions that we cover:
Travel insurance providers define pre-existing conditions differently, that is why it is important that you read the policy carefully before making up your mind on which to choose. The policy contains a list of the medical conditions and illnesses that we cover and the ones we do not. It is important to remember that pre-existing conditions can cover up to two adults and one child travelling together and also includes conditions like anxiety and depression which may not have physical symptoms.
Standard travel insurance usually doesn’t cover pre-existing medical conditions. If you travel without disclosing your health condition, you find that medical treatment, cancellations, or emergency repatriation costs are not covered by standard travel insurance. It is important that you get travel insurance that covers pre-existing conditions because you may suddenly become ill during your trip and require emergency treatment. Travel insurance that includes pre-existing conditions can:
Medical care in countries like the USA, Canada, and some parts of Asia can be quite expensive. Having the right insurance policy helps to protect you from unforeseen expenses that affect your entire trip.
Once your trip is planned, choose a policy, single-trip or annual multi-trip and consider coverage for family members if travelling together.
To cover pre-existing medical conditions, we may ask for details of recent tests or procedures, and sometimes a new medical examination is required.
Based on the outcome of your medical screening. You can then request for a quote. We will give you a detailed list of what is covered and what’s not in your policy
our processes are seamless and can be completed online. We also offer additional extras that you can include in your policy.
A standard pre-existing condition policy typically covers emergency healthcare and repatriation, trip cancellation or curtailment, lost or damaged belongings (including medicines), and other benefits like delayed departures, personal liability, and 24/7 emergency assistance, all subject to policy limits, excesses, and accepted medical conditions.
The cost of medical travel insurance depends on factors like your medical history, age, destination, activities, valuables, and any extra coverage needed for special trips. Premiums are generally lower for short trips and healthy travellers, but higher for those with pre-existing or multiple medical conditions, reflecting the added protection they provide.
Yes, where you travel affects your insurance cost. Trips to countries with expensive healthcare or higher risks, like the US, typically have higher premiums, while destinations with lower medical costs, such as most of Europe, are usually cheaper to insure.
Medical travel insurance can be affordable by declaring conditions accurately, choosing the right cover, adjusting your excess, limiting destinations, purchasing early, and comparing policies to find the best price.
Yes. If you have a pre-existing medical condition, it’s strongly recommended to take out a policy that specifically covers it. Without appropriate cover, claims linked to your condition may be rejected, emergency medical treatment abroad may need to be paid upfront, and you may not be covered if you need to cancel your trip due to a flare-up or worsening symptoms.
By declaring your medical conditions when you take out your policy, you ensure that your cover is valid and tailored to your needs. Honest and accurate disclosure is essential even if your condition feels stable or well-controlled.
A pre-existing medical condition is usually any health condition for which you have received medical advice, treatment, medication, or experienced symptoms before buying your policy. This can include physical and mental health conditions, even if they are well controlled or stable.
Yes. You must declare all pre-existing medical conditions when requested during the medical screening or the quote process. Failure to disclose a condition could invalidate your policy and lead to claims being declined.
If you declared your condition during the quote process and it was accepted, any emergency treatment related to that condition will be covered. Although this is sometimes subject to the policy limits, terms and conditions.
Absolutely. Many travelers with stable or well-managed conditions can get policy cover and it is usually cheaper for them than for those who have unstable health conditions. This can be ascertained during the medical screening.
