Having a pre-existing medical condition shouldn’t prevent you from being well covered when you decide to go on holiday; that’s the attitude held by many reputable companies that can offer a specialist policy, tailored to your needs.
If you’ve already tried browsing the web for your perfect deal, you may have received a shock when you were issued with a quote. This is most likely to be down to travel companies’ views on certain long-term illnesses as they predict risks coming from offering you cover.
You shouldn’t read too much into this. Why? Probably because you’re searching in the wrong place for what you need.
A general search for travel insurance will see you presented with some of the world’s biggest companies in the field. They’re likely to be high up in search lists because of their popularity with other holidaymakers just looking for basic cover.
Due to these businesses trying to reach out to the masses, taking a general view when analyzing your data and proving you with a quote, they’re unlikely to know a lot about your condition.
To find people that can give a true assessment of the risk involved with you going on holiday, you’ll need to search for companies that are specialists in offering pre-existing medical condition travel insurance.
These insurers deal with a different line of inquiries and will possess a deeper understanding of your condition as a result. The companies recognise the need for you to be insured when you decide to take a trip away, which is why providing affordable cover is high in their list of priorities.
The services and policies they can offer will be similar to the ones you’ve already viewed, yet you’ll benefit from being treated as an individual when you’re inputting your data.
So, don’t let yourself be stung by insurers making preconceptions about your condition. Tailor your search to find policies that can truly assess your well-being before you go away.