Travel insurance for pre existing medical conditions
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Pre-existing medical conditions
Some UK citizens are facing difficulties in finding travel insurance because of pre existing medical conditions. When it comes to health cover, travel insurance policies are no different from any other types of cover in that there will be exclusions. However solutions are to be found as many insurance companies will provide travel insurance for pre existing medical conditions for people in need of this type of insurance policy.
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Some insurance companies will not underwrite people with pre existing medical conditions and illnesses such as AIDS and HIV, or if they have a history of stroke or heart disease such as angina, acute renal failure requiring dialysis or cancer. Some insurers will not offer cover for this pre existing medical conditions, but there are other insurance companies, agents or brokers that will, so it's just a matter of finding the right insurer for your specific need. Don't be tempted to hide relevant medical details, all existing medical conditions are recorded and can be checked by the insurance company in case you need to claim. Reciprocal health agreements covers UK citizens travelling within Europe.
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Britons can receive emergency medical treatment for free or at reduced cost, but some countries are exceptions and you will be required to provide your EHIC Medical Card form, passport and in some cases your NHS Card. If you are asking yourself Why do I need cover for my existing medical condition? the answer is very simple, because medical costs abroad can be very expensive and without a proper insurance cover you could be left paying out of your pocket large sums of money.
If you are traveling in groups we recommend that all travellers should insure one the same travel insurance policy because gaps in cover could arise if all travellers have separate insurance policies, one of the reason is that some policies will exclude existing medical conditions of persons travelling with you. In some cases travellers could suffer from conditions that have not yet been diagnosed, therefore insurance companies can only medically screen a condition that has been diagnosed by the medical profession and cannot provide a quote or offer cover until the condition has been diagnosed. Usually the travel insurance for pre existing medical conditions offers cover for both medical care abroad, money or baggage loss, theft or damage, so you don't need to purchase an additional insurance.
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