Pre-Existing Conditions and Travel Health Insurance

Some may wonder whether or not preexisting conditions can lead to a denial of a travel health insurance policy application. It is most definitely possible that some providers will deny the coverage. It is also likely that there will be a number of providers willing to approve such a policy application. While the various factors that go into approving or denying that policy are vast, there are a few general points regarding whether or not a preexisting condition can truly sink one’s chances for a policy approval.

In some instances, the specific type of preexisting condition will be a factor whether or not the policy is approved. For example, someone who has an anxiety disorder and must take prescription medicines probably would not be much of a risk to a travel insurance provider. This is because the prescriptions are covered under the person’s regular plan. Therefore, the individual and probably will not need to use the travel policy refill prescriptions. However, if the person has had several heart attacks then this individual is a risk. The reason for this is obvious: The risk of a heart attack occurring while on vacation is more than the travel insurance provider is willing to take.

It is important to understand this does not means anyone with a serious condition will automatically be denied. While it is true that many policies will deny such a higher risk individual, there are other options insurance provider can offer. The most common would be to simply offer a policy at a much higher premium. Remember, the insurance provider does the customers in order to stay in business. Therefore, may be willing to take a risk with the previous thing condition if the odds of requiring any medical care for a vacation are limited. Yes, this may seem like a risk for the provider but the provider may very well be willing to take such a risk.