When you’re planning a trip, you probably budget for everything. You’ve reserved your airline tickets, booked your hotel room and car rental, and have applied for travel insurance, right? Wait, you haven’t reserved travel insurance? One of the first things you should do when going on holiday is to take out travel insurance. This is especially so if you have a pre-existing medical condition that flares up or causes problems whilst traveling. Unless you are traveling to a very dangerous area, there’s no reason to assume that something will go wrong. Even so, food poisoning and natural disasters do tend to happen without much warning. If you expect the best, but prepare for the rest, you won’t have a reason to worry.
Why Travel Insurance Is Important
A trip can be the adventure of a lifetime, or it can turn into an unexpected drama. You never quite know what may happen on a journey, which is why it is wise to take out travel insurance before you venture out, especially abroad. The medical systems of each country vary in terms of quality and price, and if you come down with something in a foreign land, you might not be able to pay for it out of pocket. What’s worse, you might not be able to leave the hospital or even the country until your medical debts are paid. Sure, you could take advantage of crowd-funding to pay your bills, but there is a better way: Insurance.
Keep in mind that there are many kinds of travel insurance. The standard kind is that which will reimburse you if there are sudden changes made to your itinerary, or if the flight is delayed or cancelled altogether. Along with this, medical insurance can be taken out to cover any emergencies that arise. Not every form of medical insurance will cover all eventualities, though. For example, if you’re into extreme sports, and are traveling to a venue to perform or do those, you may not be able to receive any medical insurance that covers more than the standard costs associated with suffering an illness.
How Pre-Existing Conditions Affect Coverage
Before you can actually receive travel insurance, you have to first apply for it. This can involve a bit of a lengthy process, especially if you have a pre-existing medical condition. During the application and screening process, you will have to disclose any conditions you have because insurance providers want to know if you’re worth the risk. Though they exist to provide you with a necessary service, if you get sick or injured, covering you could be more expensive than they like. If you’re up front about any medical conditions you have, this will help them figure out how much your premium should be.
Your medical history must be all out on the table when you apply for travel insurance. Even if you no longer suffer from a certain condition, you must list it. Along with your age, destination and trip duration, your medical history helps determine how much pay for your coverage. Your destination matters because the insurance company needs to figure out how much health care costs wherever you’re going. The duration of your trip factors into their calculation of how much they may have to pay out or reimburse. If you’re of a certain age, it is usually determined that you’re more likely to come down with something on a trip. A past condition alerts providers to your past and present state of health.
Insurance companies assume a certain amount of risk when they agree to cover you. When you make an agreement with them, they deserve to know everything. They will not be pleased if you are hospitalised and make a claim, and suddenly alert them that a pre-existing heart condition or diabetes they had no foreknowledge of had something to do with your medical emergency. Your claim could be refused, and your travel insurance policy cancelled, leaving you in the lurch and responsible for the entirety of your medical costs.
What You Should Do
If you feel that the rate you are quoted is too much to pay, consider how much more money you could end up paying in medical costs in the event of a worst case scenario. If you’re traveling to the United States, be prepared for medical costs that could make you wonder how anyone could ever afford medical care there. For someone who is normally in good health, they might be able to skip on the travel insurance and get away with it. For those with pre-existing conditions, the chances are greater than a complication could arise. Even something as supposedly innocuous as a meal could trigger an allergic reaction you haven’t seen in years (or didn’t know you had to begin with).
Hopefully, all will go well with your travels. You need to be prepared for the worst, though, especially if you’re going on a cruise. Recent years have seen a spate of maritime accidents as well as mass incidents of food poisoning. If such an accident or illness befalls you, and you require hospitalisation, the financial burden could be crippling. If you have travel insurance, you can worry less and enjoy your trip more, knowing that you have done everything you could to anticipate and prepare for the unexpected.
If you don’t know where to start, go on the Internet and visit MedicalTravelCompared. There is a variety of insurers vying for your money, but you shouldn’t just go with the first company you search for. You may find, too, that many agencies are reluctant to offer you coverage without higher premiums.
However, specialist insurers offer those like you, with pre-existing conditions, affordable medical insurance coverage. By comparing their rates against each other online, you can purchase coverage that you and your family can take advantage of. Yes, you absolutely should list your family when applying for travel insurance, because they may be able to make a claim, too. Everyone you travel with should have some kind of travel insurance to guard against any negative possibilities.