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Recreation
If you have special needs you must ensure that your special circumstances are covered by the policy you choose.
Pre-existing medical conditions
Most insurers do not automatically cover pre-existing medical illnesses or medical conditions. However traveler’s can apply for coverage for their pre-existing illness via an application, which is, then subject to approval and possible payment of a premium. Keep in mind there are illnesses and conditions that will not be covered under any circumstances. Some insurers offer automatic coverage for common illnesses/conditions such as tinnitus, asthma or stable high blood pressure but the onus is on the traveler to check because conditions can apply.
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In general they are usually defined as any chronic or ongoing medical or dental condition for which you have received treatment or advice within a specified time prior to the policy being issued or any chronic or ongoing medical condition, illness or disease that’s been medically documented prior to departure.
If the insurer does agree to cover you it is recommended you get it in writing. There may be an additional premium. Also check the excess in relation to a claim relating to the pre-existing condition. If you cannot get travel insurance for your condition it is still important to get travel insurance for other claims.
As always make sure you check and double-check what you are buying. It is very important to understand the conditions and restrictions found in the product disclosure statement before you travel. It is essential for you to check all the small print on your policy before you make a decision. Read many policies carefully before making a decision and make sure you understand exactly what you are covered for and more importantly what you are not covered for.
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