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Traveling with Pre-existing Conditions


Mild Pre-existing Conditions

Keep in mind, that your pre-existing condition may make it harder to find coverage. However, if you have a more mild condition, like mild asthma or high blood pressure, you may still qualify for a lower rate. It’s crucial that you inform your insurance agent if you do have a pre-existing condition. This will make it much easier to find you the appropriate coverage at the right rate.


Serious Pre-existing Conditions

You will likely require specialist cover if you have more serious conditions like cancer. For a comparison of different quotes, feel free to contact us. We are very familiar with this kind of coverage and can shop many different companies to find your best option. Often times you will be told that you cannot get coverage if you already have a serious condition. You may also hear that you will have to pay a very high rate because you are a “high-risk applicant”. However, we gather as much information as possible to build a very specific case for you. This way, we can figure out how to best present your condition to insurance companies. Even when it seems impossible, we can find you the coverage you need.


When to Get Insurance

If you have a pre-existing condition, it may take longer to find your coverage. That’s why it’s a bad idea to wait until the last minute to find your policy. Getting insurance sooner will ensure that you are covered when you travel, or in the event that you get sick before traveling.

Don’t forget, the sooner you find coverage, the sooner your trip and your finances are protected.


Disclose Your Medical Conditions

It’s so important to tell your insurance agent if you have a pre-existing condition. In the case that you develop an illness related to your pre-existing condition, you will only be covered if the pre-existing condition is covered.

Make sure you are honest and thorough when discussing your health because that’s the best way to ensure you’re getting the right coverage. If you don’t mention a certain issue and are not covered, you may end up facing a massive medical bill.


Group Policies

Group insurance premiums are based on whoever is considered to be the highest risk or the oldest member. If you are traveling with someone with pre-existing conditions, you may also experience a rate hike because of their coverage.

That’s why it’s important to check to see if it would be more affordable to take out separate policies. We can help you compare your options!