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How to get travel insurance with a pre-existing condition

When you’re going on holiday there are many things you’ll need, with your passport, tickets and money being the most important. After this, we usually start thinking about transfers, sun cream and the clothes we’ll take. 

However, one exceptionally important but all-too-often overlooked thing you’ll need is travel insurance. After all, you never know what’s around the corner, and the last thing you want is a huge medical bill or a four-figure charge to get home from your holiday. 

While we’re often told that travel insurance is relatively cheap, all things considered, what about travel insurance for those with pre-existing conditions? 

Let’s take a look.   

What is insurance for pre-existing conditions?

While travel insurance for pre-existing conditions works the same as any travel insurance policy, ensuring you’re covered for unforeseen circumstances such as a cancellation or lost luggage, it also covers you for the cost of emergency medical treatment relating to your condition, should anything happen. 

Because of this, it’s vital that you seek out specialist travel insurance for medical conditions. 

Always declare medical conditions

This may sound pretty obvious, but don’t try and fool your insurance provider. If something bad happens, not having disclosed a pre-existing medical condition when you should have could render your insurance invalid. 

The other problem is the cost to you. If you don’t declare a condition and you end up in hospital, you could end up with a pretty hefty unexpected bill. That’s why it’s always important to be upfront and pay the additional premium for specialist cover. 

You should get your cover as soon as you book your trip, in case you become sick or can’t go, meaning you’ll be covered for cancellation. 

What’s more affordable?

You may think that an annual policy is best if you have pre-existing medical conditions. However, you should check out the quotes for single trip policies, too, as these could be the more affordable option – depending on your travelling needs. 

Get a quote for Rias travel insurance today >