If you are getting on in years and you plan to travel overseas, you should look into medical insurance. In fact, many insurance policies cover emergency medical treatment and repatriation, which is important if you plan to travel to a country where there is a high risk of contracting an illness such as gastroenteritis.
Many young people choose not to invest in medical insurance, but not doing so can really cost you in terms of enjoying your holiday. What if you become ill and need to go see a local doctor for some prescription medicine? What if you get really ill and need to go to hospital for treatment? Not only could it cost you in terms of time, but it could also hit your bank balance really hard.
Paying for medical insurance ensures that you are covered if you need to see a local doctor, go to a hospital, or be repatriated back to your home country should the worst happen. Essentially, medical insurance provides peace of mind for travellers, as well as their family and friends back home.
What If You Have a Pre-Existing Medical Condition?
Although emergency medical insurance is a part of many travel insurance plans, what about people who suffer from pre-existing conditions such as diabetes, asthma, or heart disease? The problem for anyone with a pre-existing health condition who wants to travel is that many insurance companies simply won’t cover them. From the point of view of the insurance company, anyone with a pre-existing medical condition is simply too much of a financial risk.
So, what are your options if you still want to travel with a pre-existing medical condition? You could simply opt not to take out insurance and run the risk of falling ill in an overseas country, but this is an option that could result in you having to pay out a lot of money in the event that you fall ill, or you might not even qualify for treatment at all!
Exploring the Insurance Options Carefully
If you have a pre-existing medical condition and want to travel, it is worthwhile to checkout your medical insurance options. The problem is that this could take a long time, since many of them simply don’t offer the required cover. The ideal solution is to use a site like Medical Travel Compared.
A comparison site like this enables any visitor to fill out an online form and very quickly pull up the results of all of the insurance companies who offer coverage for pre-existing medical conditions. You can make sure that you’re able to get coverage for a specific range of travel dates, and you can even add risk assessment details, including additional travel activities you might be participating in, such as winter sports.
This can save a lot of time when comparing quotes from a range of different insurance companies who will use criteria such as age, travel destination, and trip duration as part of their assessment for eligibility. For anyone with a pre-existing medical condition who has been frustrated by the lack of options when it comes to proper medical travel insurance, comparing options online in this manner is the ideal solution.