Why you should always declare your pre-existing medical conditions

Buying travel insurance when planning a trip should be one of the first things on your must-have-list for your journey. When buying a travel insurance policy does not make the mistake not to disclose your or anyone on your travel policy’s pre-existing conditions.

Rest assured, declaring a pre-existing condition would not necessarily result in rejection of the policy or that the amount would increase exponentially – the major issue could be a claim not paying out due to not disclosing your pre-existing condition.

Pre-existing diseases are illnesses that you have already been diagnosed for and you are aware of this illness before buying a travel insurance policy. Some examples would be: heart disease, diabetes, cholesterol, cancer and so forth.

Most policies exclude cover for pre-existing conditions but this would differ from policy to policy and you need to make sure you understand the policy you buy. This means you need to declare your pre-existing condition to be covered for medical expenses related to the condition. In some cases, you can buy an add-on policy that will cover the costs related to your pre-existing condition by offering a waiver to the exclusion.

When buying travel insurance and declaring your pre-existing conditions, ensure to purchase the right amount of coverage in the case of an emergency, ensure your health is stable when you purchase the travel insurance plan, the earlier you buy travel insurance after booking your trip the better. Make sure you are covered for the full length of your trip and you notify the insurer of any changes in health prior to your trip.

Ensure you compare travel insurance plans and be sure to buy a travel insurance plan that covers your pre-existing condition or would waiver the exclusion. Insurance Comparison offers you a big range of trusted insurance brands and policies on one page – for you to easily compare the price and benefits of many plans on one website.