• Travel Insurance Blog

  • Sunday, July 23, 2017

  • Travel Insurance and Pre-Existing Conditions

    Filed Under: Blogging

International travel insurance is for covering risks, not covering situations, so it has traditionally not covered people for pre-existing medical conditions. These are conditions that the insured knows they have at the time of applying for insurance. How does international travel insurance exclude these conditions, and why?

Most travel insurance policies won’t pay for treatment that arises out of a condition for which the insured previously was diagnosed, experienced symptoms or had treatment. For example, you suffered a heart attack, you were treated, and you will not be able to find an insurance policy to pay for treatment for a second heart attack unless many years have passed.

If you are fully recovered from your previous condition, you still may not be covered. The insurance coverage generally depends on if you have had any treatment within a couple of years, whether or not you have been given the medical all-clear.

You may be able to get coverage for a pre-existing condition on the payment of a higher premium. If you are older, there are a number of policies that specifically cater for people who have suffered ill health in the past.

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