| Travel Insurance | Pre-Existing Medical Conditions |
know-insuranceTravel Insurance The Why What & WhenInformation & FAQsInsurance Quotes Online Quotes Cheap QuotesTypes of Cover Single Long & Multi-Trip International TripsInsurance for ... Over 65, 75, 80's Families Groups & Individuals Sport Ski Backpackers Business CorporateTravel to ... Europe Eastern Europe Russia USA Canada Caribbean South America Australia AsiaCompanies & Brokers Supermarkets Banks & Companies Agents & BrokersTravel Info Advice Official Help E111/EHIC Pre-Existing Conditions Treatment Abroad E112Insurance Industry Regulation & Claims | Pre-Existing Medical Problems
 Serious pre-existing conditions are often excluded from policy cover. When it comes to health cover, travel insurance policies are no different from any other types of cover in that there will be exclusions. Some insurers will NOT underwrite people with pre-existing medical conditions and illnesses such as:
Agents and BrokersEven if mainstream insurers will not offer cover there are other insurance companies, agents and brokers that will. In every case special conditions will usually apply to cover and quotations. For common conditions many insurers will tailor a quote for you:
Hot Tips and InfoDo not hide relevant medical details, they are recorded and can be checked should you claim. Within Europe your EHIC Card (replaces the E111) should provide you with emergency medical cover. But you may still need cheap cover for cancellation, loss or theft, dangerous sports and dental cover Shop around for cheap quotes It's always best to be upfront and disclose any pre-existing medical condition to your insurer so they can assess actual risks and prepare an accurate travel insurance quote. Void coverIf you DON'T and you need medical treatment because of it then you've broken the terms of the policy. You could be staring into the gaping jaws of a financial black hole when it comes to counting the cost of your memory lapse. E111 and new EHICUK citizens travelling within Europe are covered by reciprocal health agreements and can obtain emergency medical treatment for free or at reduced cost. There are some (country) exceptions, and you will be required to provide your EHIC Medical Card form, passport and perhaps your NHS Card. So if a pre-existing condition does flare up, then if you are travelling in Europe without your EHIC Card (replaces the E111) - the new European Health Insurance Card - you may have to stump up the cash for treatment and medicines. It is up to you to claim reimbursement once back home - so do keep copies of receipts. Useful LinksAlzheimers alzheimers.org.uk Aids and HIV Cancer bcc-uk.org Diabetes Disabilities Epilepsy Heart & Strokes bhf.org.uk High Blood Pressure Kidney Disease Leukemia Liver Lupus Syndromes |