Searching appropriate travel insurance might be quite tiresome for people who have pre-existing conditions, as mass-market insurers provide such policies at higher rates. However, there are some ways to optimize your expenses.
First of all, you have to set forth a clear statement of your previous and current medical conditions, even though it usually can increase the policy’s price or coverage won’t be provided. However, if you don’t provide such data, it may have serious consequences you must accept if you make a claim: your insurer has a right to reject it or even institute a lawsuit against you due to concealment of circumstances. Therefore, you should include any condition or disease like circulatory, respiratory, psychiatric, mental, cardiovascular, or spinal, if any was diagnosed, as well as HIV, epilepsy, asthma, and any type of scleroses. Even if you received treatment and don’t show any symptoms of previous conditions, you still have to indicate them.
In general, it’s quite difficult to find any travel insurance if you suffer from any serious health condition, as all insurance companies know that such emergencies and medical claims made abroad are the most expensive cases to them. That’s why they may offer only higher premiums or even refuse to cover clients with such medical conditions. You should also state any pre-existing conditions of your close relatives, because it may have influence over your trip like cancellation or shortening due to their state of health.
It’s highly recommended to get quotes of specialized insurance companies, as they may have better rates and wider coverage of pre-existing medical conditions. You should select a couple of them and compare details of their premiums suitable for you. Also, if you plan to travel in Europe, you should consider purchasing European Health Insurance Card which is a reciprocal agreement providing reduced cost or even free state medical treatment in the EU. It might be convenient for you if you’ve got citizenship of Commonwealth countries.