Do you have pre-existing medical conditions and need travel insurance? Well, that's what we, at It's So Easy Travel Insurance, specialise in. For many years we have been ensuring that people with pre-existing medical conditions are adequately protected when they travel.
First, it's important to clarify what constitutes a pre-existing medical condition because many people are confused about what an insurer needs to know. It's not necessarily that we need to know about something that happened twenty years ago. However, if you're still having taking medication for or having check-ups for something that happened a long time ago, that is something that we do need to know about.
Some people think that because their condition is stable because of taking medication eg blood pressure or cholesterol, then these aren’t regarded as pre-existing medical conditions. However, they are and should be declared when taking out insurance.
When you go through our quotation and booking system, you'll be asked questions such as whether you're taking any medication or have received treatment or attended a clinic. If so, we need to understand your situation more. This enables us to come to a decision about whether we can offer to cover you and, if so, what the premium will be.
No insurer can agree to cover anyone, regardless of their medical circumstances. If they did, the resulting claims would be so high that it would not be financially feasible to continue and the policy would have to be withdrawn. Obviously, this would then prevent anyone else being able to benefit from it. By making an assessment of who can be covered and for what premium, the level of overal risk can be limited, ensuring the policy can continue.
When obtaining a quotation or booking your policy, you add a condition at a time and then our system will ask you questions relevant to it. Our system will then provide a quotation based in including the condition(s) in the policy. You can remove a condition but we advise not doing so because if you then made a claim that was directly or indirectly related to it, the claim could be declined.
Having understood your medical situation and if we can offer you cover, we will be able to meet valid claims directly or indirectly related to the pre-existing medical conditions you have declared and we have agreed to cover. For example, blood pressure can indirectly lead to a stroke or heat attack.
If you don’t declare a condition and you then need to make a claim that’s linked to it, the insurer could decline to meet the claim. You could be exposing yourself to serious financial risk. Take the example of someone who has a stroke that’s linked to blood pressure that hasn’t been declared and accepted for cover. That person will probably need immediate treatment in hospital, possibly involving a specialist. They might need to extend their trip because of treatment and they would natually like their relative or other travelling companion to be with them. Travel insurance would pay for extra accommodation costs and new return flights in this situation.
If the person was well enough to travel, it might be on the condition that they are accompanied by a nurse or doctor. This could be on a scheduled flight and the insurance would pay for this. If it was necessary to repatriate in an air ambulance, then the cost runs into many thousands of pounds – even from a European country. However, if the condition had been declared and accepted, the insurance would pay.
It’s simply not worth the risk of not declaring any pre-existing medical conditions. Trust us, we’ve seen what happens when they’re not and claims are made! To see just some of the pre-existing medical conditions that we can often cover, click the A-Z list under the Travel Insurance link at the top of the page.