Compare Travel InsuranceTravel Insurance TipsPre-existing medical conditions - what's the catch?

Pre-existing medical conditions - what's the catch?

Having pre-existing medical conditions may feel like a hindrance but it shouldn't halt you from living out your vacation dreams. You might simply require a little more in-depth research when choosing your policy.

Exxy medical costs

Did you know your Canadian health insurance is not valid outside of Canada? Falling ill overseas due to your pre-existing illness can be extremely costly. Hospital costs in the USA alone can reach a whopping $10,000 per day! It's vital to do your research and ensure that you get the right policy to cover your needs. 

Tell your insurer

Want cover for your pre-existing illness? The number one rule is to tell your insurer about your condition! No matter how irrelevant you may think it. If you fail to do this you may be left facing a massive medical bill when you try to make a claim. Not fun!

Know your medical history

Each insurer has different terms for pre-existing conditions. Some will ask for medical history in the past ten years and others, for the past six months. We encourage all Canadian's to check how much of your medical history you have to disclose so that you can be confident that your policy covers you should anything happen.

Typical questions you will be asked when getting quotes include:

1. In the last 12 months has a licensed Physician advised or recommended that you not travel?
2. Has a licensed Physician ever diagnosed you with a terminal illness?
3. Have you ever undergone a bone marrow transplant or an organ transplant?
4. Do you require dialysis of any type for a kidney disease?
5. In the last 12 months have you been prescribed or utilized home oxygen therapy at any time?
6. In the last six (6) months, have you been Hospitalized for any stroke/cerebrovascular, respiratory condition, liver disorder, kidney disorder or cardiovascular disorder?
7. Have you ever received treatment of an kind for cardiovascular, cerebrovascular, respiratory, kidney disorder, diabetes, high blood pressure or liver disorder?

What if I can't find cover for my pre-existing condition?

There may be some conditions that insurers will not cover. This does not mean that you cannot take out travel insurance. It simply means that any claim arising from, or related to that condition will not be covered. 

If you cannot cover your specific condition - you can still buy travel insurance to cover you for trip cancellation, lost luggage, natural disasters, theft of cash and much more. It just means you will not be covered for any claims related to, exacerbated by, or arising from pre-existing medical conditions.
 

TRAVEL INSURANCE EXTRAORDINAIRE AT YOUR SERVICE

Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!

ASK ME A QUESTION:

Ask Eugene travel insurance geek extraordinaire anything

Other Articles You Might Like

Why Canadians Need Travel Insurance!

We know what you’re thinking, "I don’t need travel insurance, it’s included with my credit card right? Or it’s part of my work benefits …I think?" Well think again…

Read more
Border Hop Travel Insurance | Comparetravelinsurance.ca

Are you hopping over to the Big Apple or visiting the windy city of Chicago? No matter where your trip takes you, don't cross the border to the USA without packing travel insurance for your trip!

Read more
Pre-existing medical conditions & travel Insurance | What's the catch?

Having pre-existing medical conditions may feel like a hindrance but it shouldn't halt you from living out your vacation dreams. You might simply require a little more in-depth research when choosing your policy.

Read more
Our travel insurance comparison helps you save time, worry and loads of money!