Travel insurance for pre-existing medical conditions
Getting travel insurance while going on a holiday can be a precautionary act. Although the worst-case scenario is not likely to happen, even a small mishap, such as a broken foot will wreck the vacation you've been waiting for years. It could rip a gap in your finances. Especially in the case you or a family member are to be airlifted and evacuated because of a more traumatic incident. In that case, the financial impact will be significant—never mind the immeasurable anxiety if a loved one is ill.
Travel insurance—part of a robust or stand-alone policy—is usually a smart thing. So what about people with pre-existing medical conditions?
Defining pre-existing medical conditions
Any medical condition that you know of and that occurred before your trip is deemed "pre-existing." Travel insurance premiums are based on individuals who are in reasonably good health. So, you could be at risk of receiving limited coverage or no coverage at all, if there is a medical disorder and you have not reported a pre-existing condition.
Insurers differ in how they identify a "stable period of health" (anywhere from 30 days to a year), within which the disease has not deteriorated or, for example:
● The doctor has not recommended any investigational testing, experimental procedures, or medication improvements.
● There has been no improvement in dosage, hospitalization, or recommendation to a doctor.
Why do I need insurance?
Travel insurance covers shifts in medical and personal emergencies, delays, theft and the last-minute arrangement that will happen to both regular and casual passengers. Without travel insurance, a fractured arm, or anything as simple as the flu, it could turn into high hospital costs that cost thousands of dollars. The quality of health insurance is very expensive. Hospitals will bill thousands of dollars a day. Without emergency hospital and prescription insurance, you and your families will be solely responsible for these high expenses, which may cause a huge financial strain.
Is credit card travel insurance enough?
Few credit cards offer only basic travel protection, so you need to read the good quality print in order to figure out just what is protected, under what circumstances, and what the restrictions are. A number of credit cards have very limited coverage limits. The coverage may extend for a short amount of time or maybe valid only at a certain age. There are several travel insurance providers: travel agents, banks and trust agencies, credit cards, and some general insurance brokers, who also offer travel insurance. You can also get coverage of your job by the rewards of the business or the organization that you are a member of. It is recommended to take help from the insurance agents, who specialize in personal health and travel insurance and guarantee their experience and support.
Talk to an expert for a valuable piece of advice
Go through your travel insurance policies carefully and speak to a licensed provider if you suspect a "pre-existing medical condition" could impact your journey. You don't want to wonder whether you make an argument and it's denied.
Yes, you can get travel insurance with pre-existing medical conditions
Yes, you read that right. Policies, such as Manulife, are expressly intended to offer travel benefits to Canadians with pre-existing conditions. In this insurance, the medical concierge will support you throughout your trip. It will also include emergency hospital and emergency services, emergency paramedical service, ambulance, as well as emergency home return service.
New immigrants health insurance
If you plan to move to Canada permanently and are in search of new immigrants’ health insurance, you can easily find one online. In order to make it work successfully, you must be well aware of your pre-existing medical conditions.
After knowing all the right reasons, you should get travel insurance or destination Canada insurance for new immigrants, you must immediately concern an expert. This will help you in finding the insurance that provides you with complete coverage in Canada.