Travel Insurance and Pre-Existing Medical Conditions

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					Travel Insurance and Pre-Existing Medical Conditions
By Patrick Chong

Travel insurance hit the headlines recently when it emerged that many
Britons are losing out on their holiday insurance premiums after
neglecting to mention pre-existing medical conditions at the time of
booking. So what medical conditions should you mention when taking out
travel insurance and what exactly are your rights in relation to existing

Pre-existing medical conditions seem to generate a lot of confusion
amongst holiday makers and it appears that most of the population is
confused to what actually constitutes a pre-existing medical condition. A
simple definition is that a pre-existing medical condition is defined in
travel insurance terms as "an illness or injury that you, a traveling
companion, or family member were seeking or receiving treatment for or
had symptoms of on the day you purchased your plan, or at any time in the
9 months before you purchased it".

But whether its asthma, diabetes or cardiovascular problems, the fact is
that the majority of people in the United Kingdom do have pre-existing
medical conditions. So if you're one of these people what should you do?
Well the first port of call is letting your travel insurance provider

If you plan on booking your holiday insurance online, you will often find
that the form you need to fill in really isn't that comprehensive and
often leaves little or no room for you to talk about any pre-existing
medical conditions that you or a family member has. The easiest way of
doing this is a simple phone call to your travel insurance provider or a
quick email enlightening them on your current situation.

And remember your pre-existing conditions aren't the only ones which need
mentioning. If a close relative has recently been taken ill this may
hinder your ability to complete the trip and so should definitely be
mentioned to your holiday insurance provider. Likewise, if your boss or a
business associate has recently fallen ill and it is likely that if his
condition worsens you will have to abandon your holiday and hold fort in
the office then this should also be mentioned.

Although most medical conditions that you've suffered from prior to the
nine month pre-purchase period do not ordinarily need to be mentioned to
your travel insurance provider, things get a little more complicated if
you have ever suffered from cardiovascular, cerebrovascular (strokes and
brain hemorrhages) or cancerous conditions and most holiday insurance
companies will not cover these if you have ever suffered from, or
undergone investigation for them.

The important thing to remember is that pre-existing medical conditions
do not stop you taking out holiday insurance or even claiming on your
travel insurance for costs relating to them. In simple terms, if you are
asthmatic and whilst on holiday you suffer from an asthma attack, you
will not be able to claim on your holiday insurance for any costs related
to this condition, if it arises that you suffered from this illness nine
months prior to booking your holiday and chose not to inform your travel
insurance operator

If you don't declare a medical condition, prior to travelling, you are
opening yourself up to a potentially enormous financial risk, which could
run into many thousands of pounds. The risk is just not worth it.

Patrick Chong is the Managing Director of Journey's Travel. Their
commercial travel insurance website, Insuremore, offers travel insurance
for families, couples and singles with a quick and easy online claims

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