Notes

Travel Insurance: Reminder to Declare All Health Problems
Travellers with health issues sometimes inadvertently, or even deliberately, neglect to declare pre-existing medical ailments when purchasing travel cover. For those who are new to travel cover it is a very important matter and worth taking the time to research and understand.

When you purchase travel insurance, that is often done online these days, you may be asked to declare any pre-existing medical problems. Obviously, serious conditions such as heart disease and cancer need to be declared. However, it may or may possibly not be obvious that pre-existing medical problems likewise incorporate a lot more common ailments and conditions such as asthma, raised blood pressure, diabetes, along with any recent investigations, diagnosis or hospital stay.

Younger people going on gap-year adventures or across the world trips may not believe that this section pertains to them because they're young and in a healthy body. However, no matter what age the traveller the guidelines are the same. Declaring pre-existing medical conditions applies to everyone, regardless of how healthy they may be at the time they book travel and purchase insurance. An excellent basic backpacker policy should also include cover for medical expenses, air ambulance and medical repatriation - but all pre-existing conditions must be declared.

The bottom line is that if you neglect to declare a medical condition and then experience a medical problem related to that condition while overseas your insurance carrier is very more likely to refuse to cover your claim - and this could become very costly indeed. Some individuals may decide never to declare a condition when they purchase insurance since they fear it will make the premium too expensive, but this is false economy.

In some cases there might be an increase in the premium to get travel cover to cover a pre-existing medical condition, but it is better to be honest and pay a bit more than face having to pay for hospital treatment abroad if the worst should happen. Paying a little more for the policy and having the peace of mind of knowing you are covered is crucial, and may save you a bundle if you experience an issue. Wouldn't in addition, it be nice to know that with insurance you have a lifeline to call if disaster strikes, and a helpful voice to reassure and guide you.

It is essential that you declare all pre-existing conditions, and not just the ones that you think are more serious. Less serious medical conditions may not appear to be important but sometimes if they are present in conjunction with other conditions an insurer considers the chance greater and extra payment could be required.

When you have a European Health Insurance Card (EHIC) and so are travelling to another EU country you may falsely believe that travel cover isn't necessary, or that the embassy will pay your bills. While a valid EHIC should cover most of your hospital expenses, this may change from country to country and the EHIC will not cover treatment for non-urgent or ongoing treatment, nor does it cover medical repatriation.

In the event that you become seriously ill abroad, or go skiing and sustain an injury like a broken leg, your return home may be delayed or you may require medical repatriation - perhaps with purchase of an additional seat on the plane and a medical escort. The EHIC will not cover expenses of the type, but a good travel cover policy should. If your medical problem is found to be linked to a previous illness or condition that you didn't declare you run the chance of having claims on your insurance denied. Wanting to hide or ignore pre-existing medical ailments is simply not worth it.

Before you're tempted to purchase a very cheap travel cover policy, or select the first policy that comes up on a comparison site, or purchase any policy for example, always check that it provides adequate cover for medical expenses and includes air ambulance and medical repatriation.

Double-check the policy terms and conditions to ensure that all your planned activities are covered. For read more who is unsure or confused about any facet of the insurance it is advisable to contact the company for clarification instead of leave what to chance.

Your travel destination ought to be taken into consideration, especially if you are travelling to an undeveloped country or remote area where medical facilities could be limited or inadequate. There is always the possibility that you may have to be transferred by air ambulance to a neighbouring country for treatment. This would obviously entail enormous expense and without travel cover you or your loved ones will be left alone to foot the bill.

Should you be unsure whether you need to declare any condition the best option is usually to declare it - or ask for advice. Do not leave check here to chance or luck and risk ruining your trip. It may be a costly and unnecessary mistake.

Jean Andrews can be an employee of Travel Insurance Agencies Ltd (TIA Ltd). Jean regularly contributes informative articles about travel insurance and travel related matters.
Read More: https://atavi.com/share/w0blbez8mx4m