If you happen to already have a pre-existing condition, particularly one that is considered as relatively serious, and you are searching for the right travel insurance policy, this may pose as some sort of a challenge for you to face. However, if there is one thing that we want you to do, that would be to never lose hope and give, instead, take comfort in the fact that all the efforts you have will be rewarded in the end as travel insurance with these types of conditions really exist and the rates they have are based on the nature of your illness or the illness of the insurance holder.
Insurance companies are fully aware of the fact that they are taking a much greater risk if they are going to insure someone who is know to suffer from a health related concern since these people are more likely to be in need of medical care when they are traveling. This is the very reason why more often than not, they tend to either exclude this kind of condition in the travel insurance policy they offer or charge them with a higher rate for giving them the coverage.
We are sure that, same as us, you are also curious about what really it is that an insurance company considers as pre-existing conditions. To put it simply, a pre-existing condition refers to illnesses or diseases that the applicant has been diagnosed in the past and even if it has been cured, it will still be considered as one. And also, there goes the fact as well that if you already have symptoms of disease, even if it is not diagnosed yet, by the time you will apply for a travel insurance, it will fall under the pre-existing condition category.
There are other things that we want you to know with regards to pre-existing conditions like the fact that they can come in the form of chronic health problems asthma or acute diseases like infections. As what we have mentioned, if these conditions are present before the policy was issues, the holder will either fall under exclusions or they could be ground for a much higher premium on the policy.
As you look for the right travel insurance that has pre-existing conditions, it would be best for you to start by asking for quotes as these quotes will serve as your guide on the amount you have to prepare for it. When you ask for quotes, always make sure that you are being honest and that you are entirely disclosing the condition that you have without leaving any substantial information behind.