Pre-existing medical conditions
Senior citizens often have trouble obtaining travel insurance, especially if they have pre-existing medical conditions. Many insurance policies provide travel cover, but totally exclude any problems resulting from the medical conditions, leaving travellers high and dry in an emergency. This problem has been made worse in the current climate of cut price travel insurance.
Any condition which is being treated by a doctor or medically qualified person, or for which the traveller takes prescribed drugs could be an exclusion risk. It is vital when booking travel insurance to disclose any pre-existing medical conditions. Without disclosure any medical conditions may not be covered. If in doubt, the traveller should always disclose the information. If the condition requires medical treatment whilst on holiday, then the patient may be left in debt for the full amount of the treatment.
Many travellers simply do not know they should discuss their medical history with the travel insurers. The cheep and not so cheerful cut price sellers are not proactive in informing travellers of the exclusions. Policies are sold and bought purely on their price point, with no questions as to its suitability. Often the question of medical problems is simply ignored by both buyer and seller.
The main danger occurs when travel insurance is sold with medical conditions excluded from the cover in the small print. The traveller may assume they are covered and only discover they are not when the unthinkable happens.
It is the responsibility of the traveller to ensure they are fully covered. always ASK.
