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Your Guide to Buying Medical Travel Insurance

Posted: 19th April 2017 12:04

Travelling is one of the best ways to learn new things in life. This world is a beautiful place, and if you have the money and time, travelling is going to be one of the most rewarding experiences of your life. However, there are certain rules and regulations that you must abide by. First of all, almost every country requires you to have travel insurance before you enter. Travel insurance is necessary in case you sustain an injury or contract an illness while in a foreign country.

Insurance companies generally have strict policies and eligibility criteria that must be met before they provide you with medical cover. For instance, certain countries that are declared as war-torn regions might not be covered by the insurance company. Insurance companies try to reduce the risk associated with their insurance policies as much as possible. That is one of the reasons why premiums tend to vary from one person to another.

For example, people with pre-existing medical conditions have to pay a greater premium. As you grow old, the chances of injury increase as well. Therefore, the insurance premium will be higher for a person at the age of 45 than for a 20-year-old person. How can you minimise the costs of travel insurance in order to make sure you don’t end up overpaying for travel cover, especially if you already have an existing medical condition? The following guide will help you out.

Compare Policies

Those with a heart condition should compare prices for insurance before travelling. Similarly, if you have any underlying medical condition, it’s always best to check out insurance companies that only offer cover to people over 50 or have custom-designed packages for those with medical conditions. Rather than buying an insurance policy from the first company, it’s always best to compare quotes. There are many different insurance providers in the UK that offer medical cover to travellers. You can easily use a comparison website to check out the quotes and decide the most suitable policy based on your requirements.

Provide Details of Your Condition

It’s important that you provide accurate details of your condition to the company while filling out the forms. If the company finds the information to be untrue later on, they might revoke your policy. You will end up paying a considerable amount of money for healthcare when you need it the most.

It’s easy to compare quotes from different insurance companies before making a decision. Most comparison websites also have an online medical screening option that can make it easy for the company to get an idea of your condition. Buying medical travel insurance is not as difficult as it may seem. Reputable travel insurance companies generally offer pre-designed policies for people of certain age groups, thus making it easy for tourists to buy a tailored policy before embarking on their travels.