Advice for Visitors to Canada
Finding Travel Insurance with Pre-Existing Conditions
For anyone with a pre-existing condition, especially one that is considered relatively serious, finding a good travel insurance policy at a good rate can be a challenge. Nevertheless, take comfort in knowing that your efforts will produce results - travel insurance with pre-existing conditions does exist and rates are typically based on the nature of your illness. (Also see health tips for travellers.)
Insurance companies take on a greater risk when they insure someone who is known to have a health issue because those individuals are more likely to need medical care when traveling. As a result, they either exclude the pre-existing condition or they charge a higher rate for providing the coverage.
is a Pre-Existing Condition?
Pre-existing conditions can be chronic health problems such as asthma or acute diseases such as infections. If the condition was present prior to the issuance of the policy, it can fall under exclusions or be grounds for a higher premium on the policy.
Travel Insurance with Pre-Existing Conditions Excluded
In certain cases, opting for the exclusion makes more sense than paying a substantially high premium for coverage. Nevertheless, there exists a risk factor, and the decision often reflects a person’s level of tolerance for risk.
Bear in mind that failing to inform the insurance company about a pre-existing condition may result in a lack of coverage in the event of a health issue while traveling. If there is any record of the condition in your medical files, the company will have grounds to exclude it.
Most standard travel insurance policies include the pre-existing condition clause, thereby providing you with a large selection of policies and prices.
Getting Coverage for Pre-Existing Conditions
Coverage for a serious illness can be difficult to find and afford, especially if it is terminal. For those seeking to make the most of what time they have left by means of adventure, the cost of travel insurance with pre-existing conditions is invariably an issue. The suggested course of action is to shop around for the best rate. Although you may be tempted to withhold information in order to obtain an affordable rate, failure to disclose all medical data can result in a denial of coverage when you need it most. In such circumstances, you may be required to:
Travel insurance with pre-existing conditions is available if you are
prepared to shop around and pay the required premium. Full disclosure
and examination of the options are the ideal way to ensure you have the
coverage you need at the best possible rate.
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