Travel Insurance for Pre-Existing Conditions: A Comprehensive Guide

Traveling the world is an enjoyable experience, but it can be a challenge when dealing with pre-existing health conditions. Choosing the right travel insurance company that will cover these conditions is crucial. In this article, we provide a detailed guide on which companies you can choose from to ensure a smoother travel experience.

Country-Specific Travel Insurance

The landscape of travel insurance varies significantly depending on which country you are from. Europe, though not a single country, has its own unique insurance offerings. In Germany, for instance, most private insurance providers include international coverage for up to 60 days, provided that the trip is not for the purpose of treatment. Additionally, for public insurance, ADAC offers an option that can extend this coverage, adding roughly €20 per year to your usual public insurance.

Global Travel Insurance Providers

For a more flexible travel insurance option, consider HSBC Premier bank account holders. Their travel insurance covers a generous range of pre-existing conditions, nearly anything except those that are very unlikely to worsen suddenly.

For the U.S. sector of travel insurance, several global companies offer policies that cover pre-existing conditions. Look for a benefit called Pre-Existing Conditions Waiver, which exempts exclusions regarding pre-existing conditions. This waiver allows coverage even if your pre-existing condition flares up during the trip, as long as the policy is purchased within 14 days after your initial trip deposit.

Specific Providers to Consider

Two global companies to consider are Allianz and AXA Assistance. These providers offer robust coverage and may be suitable for residents in France, but it's important to verify that they offer policies to French residents. Both companies are known for their thorough underwriting process, often requiring medical documentation for severe or uncommon conditions.

Vigilant Research and Planning

The process of finding the right travel insurance can be complex. For instance, when the author was dealing with Immune Thrombocytopenia Purpura (ITP) 10-12 years ago, the only insurer that covered their condition was Virgin, and their rates were only slightly higher than other insurers before listing their condition. Most insurers may request access to medical documents to assess the risks, especially for more severe or uncommon conditions like ITP.

For anyone based in France, it is advised to check the website of Virgin to see if they operate offices there. Similarly, verify the availability and terms of the Pre-Existing Condition Waiver with the providers you choose.

Conclusion

Selecting the right travel insurance provider requires a detailed approach. Whether you are from Europe, the U.S., or any other part of the world, understanding the nuances of your insurance choices can significantly enhance your travel experience. By researching and understanding the benefits and requirements of different insurers, you can find a policy that covers pre-existing conditions, ensuring a worry-free journey.