Travel insurance options can be quite robust for both individuals and families that are looking to take a trip to another country or even to the other side of the world. Just like traditional insurance, however, there are a number of situations in which travel insurance will be more expensive for travelers or in which companies will be reluctant to offer a travel insurance plan. One of these circumstances is when a traveler has pre existing conditions that make the need for medical care while on the trip more likely. This can be anything from diabetes to epilepsy or even cancer. Any disease, illness, or injury that significantly increases the potential need of a traveler for medical care will mean that finding travel insurance options will be more difficult.
The main reason for such an increase is that the travel insurance company operates in the same way that its brethren who offer car and health insurance do – on the basis of risk. Every company is looking to turn a profit, and has no interest in insuring those who are at a higher risk of needing frequent claims. When it comes to travel insurance, someone with a pre existing condition could need anything from a quick check up to a multiple-day stay in a hospital. While many people with pre existing conditions are very good at managing their own disease or injury, the shock on a body of being in a new country, eating new food, and the stress of not knowing local customs can cause an unexpected or severe reaction in those who have pre existing conditions, making them far more likely to need medical attention.
In order to find travel insurance to cover those with pre existing condition, it is worthwhile to compare various plans and read the waiver information regarding pre existing conditions. Policies offered by travel agents are meant for one-time trips and will often not even consider covering someone with a pre existing condition. If a new company is sought, look for one that is highly rated by A.M. Best (to judge their financial strength) rather than price. The cost for a travel insurance quote for those with pre existing conditions will always be high, and it is more important in this case to have service and coverage than price.