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.
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. You can actually say that this is the reason why most of the time, when insurance companies encounter clients who are applying for a travel insurance policy and are suffering from any health related concerns, they either charge them high for the coverage or exclude the said condition in the policy.
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. To put it simply, a pre-existing condition refers to illnesses or diseases that the applicant has been diagnosed in the past and even if it has been cured, it will still be considered as one. 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.
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. 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. If you are to ask for quotes, see to it that you are disclosing your condition entirely and not holding anything back as when you do so, you are only risking your insurance once the company finds out.