Expensive travel insurance due to my medical history [closed]

3 years ago I had a malignant melanoma removed and have had no recurrence since. However when I try to obtain travel insurance I am either refused point blank or I have to pay way over the odds. It seems to me highly unlikely that any recurrence would have a serious detrimental effect on my health over the period of 2 weeks, the length of time I would be insured, but I can't find a solution. Does anyone have any advice?

health insurance

Best Answer

I've used https://www.worldnomads.com/ before and i'm pretty sure they didn't request a medical history to provide cover. They cover residents of any country.

They might not be cheapest option (seems to be $100 per month), but i doubt you'll pay more than other travellers with them.

They have competitors in this international travel insurance, so do compare.

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Can you get travel insurance if you have a pre-existing condition?

However, the reality is that standard travel insurance policies won't cover you for pre-existing medical conditions unless they meet the policy's \u201cstability\u201d requirements. Any medical conditions that are not \u201cstable\u201d will be excluded from coverage under your policy.

How far back do insurance companies check medical records UK?

How far back can an insurance company request medical records? Generally, medical records are kept for between five and 10 years after a patient's latest treatment, discharge or death.

What pre-existing conditions are not covered?

Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer, as well as pregnancy. They cannot limit benefits for that condition either.

What is classed as a pre-existing medical condition?

As defined most simply, a pre-existing condition is any health condition that a person has prior to enrolling in health coverage. A pre-existing condition could be known to the person \u2013 for example, if she knows she is pregnant already.

What Travel Insurance Does \u0026 Does Not Cover

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