Travel Insurance and Pre-Existing Medical Health Conditions

Travel Insurance and Pre-Existing Medical Health Conditions

Are you planning to travel to enjoy your holidays or for any reason? You will definitely want your travel fun and relaxing. But if you don’t have travel insurance and medical cover, your trip could turn into a nightmare. Any medical emergency, illness, or sudden cancellation/interruption of your travel plan can put you in stress. It is where First Choice Global Financial can come to help you by covering your medical needs.

But what if you have a pre-existing medical condition? Are you able to buy travel insurance if you have a medical condition? Yes, you can still have travel insurance if you have a pre-existing medical condition. (Conditions apply).


What is pre-existing medical conditions:

Any disease, illness, injury or a medical condition diagnosed before you purchase medical insurance is considered to be a pre-existing medical condition. It includes all recurrent or chronic ailments. For travel insurance, this may include any illness, disease or injury that is treated before your departure date. The definition of the pre-existing medical conditions varies for every travel insurance company. So talk to First Choice’s team before you take any insurance policy.


How pre-existing medical condition affects my travel insurance:

You can still get travel insurance if you have pre-existing medical conditions. You may have medical coverage as long as your condition is considered to be stable. Here it is important to define a stable condition. A stable condition is one where:

  • Your condition is not worsened or you have not experienced new symptoms relating to your pre-existing condition.
  • You have not had new medical treatment pertaining to your condition.
  • Your medication dosages are stable without any increase or decrease.

Insurance coverage with pre existing medical condition is not guaranteed. So make sure you have spoken to a agent for further clarification.


Documents for pre-existing medical condition:

You may require you to fill out a medical questionnaire form in case of pre-existing medical conditions if you are age 55 or over. It is important to mention that you must answer the questionnaire honestly.

Travel Insurance in Toronto

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