Travel insurance with a pre-existing condition
I have ulcerative collitis. It's not particularly bad. I'm trying to get travel insurance for two different holidays (one to the US and one to China/Japan). Unfortunately having ulcerative collitis means that a lot of companies either won't cover me or want to charge me the earth for cover.
Could someone recommend a UK-based insurer that does reasonable rates for people with pre-existing medical conditions?
Best Answer
I have a rare but serious heart condition that also tends to freak out insurance companies. However, I've found that if I get a letter from my cardiologist and my GP saying that there's no reason to expect anything to go wrong for period x-x, they're happy to either insure me, or to insure if I pay a premium.
When I was in NZ, Mike Henry Travel Insurance would do this, as well as Southern Cross travel insurance. They may have international branches?
For my current trip, I'm actually with World Nomads, although I don't think they're UK based.
Good luck - there's always a way, often your doctor might be able to suggest a company as well, or write extra documentation about it. He may offer to say that if you agree to carry medicine x or y with you they'll reduce the premium, or something - there's usually some way to do it, even if it's a high premium.
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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.Which insurance is best for pre-existing medical conditions?
Best Health Insurance Plans For Pre-Existing Diseases To Buy In...- Apollo Munich Energy Health Insurance Plan.
- Aditya Birla Activ Health Enhanced Plan.
- HDFC ERGO Energy Gold Health Insurance Plan.
- Star Health Diabetes Safe Health Insurance Plan.
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.Do you have to declare pre-existing conditions?
Clinical Nurse Specialist, Kay Greveson, explains: \u201cA pre-existing medical condition can be affected by changes in temperature and climate and should always be declared, even if it is being controlled by medication.\u201dTravel Insurance: What are pre-existing medical conditions?
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