Which travel insurance company covers pre-existing medical conditions?

Unfortunately, there is no travel medical insurance plan which fully covers pre-existing conditions. A question one might ask is whether it is feasible to buy a travel health insurance, when pre-existing conditions are not covered. The answer lies in practicality.

Can I get travel insurance with pre-existing medical conditions?

Many travel insurers do not cover pre-existing conditions. It will be stated in the policy wording under “exclusions”. Pre-existing medical conditions are injuries or illnesses that you are aware of and/or receiving treatment for, before departing for your trip.

Does Canada cover pre-existing conditions?

Canada will not cover your preexisting condition. If you have access to the system you are covered for a set of predefined essential services and the services that are most often considered inessential are those associated with disability.

Should I declaring pre-existing medical conditions?

It is best to disclose your entire medical history without any omission, though insurers are likely to pay more attention to recent health history rather than illnesses such as Malaria.

Do I need to declare arthritis on travel insurance?

Yes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including osteoarthritis. This ensures any medication you may be taking will be covered, as well as any treatment for your osteoarthritis you need to seek while you’re away.

Can I be denied health insurance because of a pre-existing condition Canada?

Usually, if you are still experiencing symptoms or are being treated for a pre-existing condition, any treatment in relation to it will not be covered, but plans vary. Your pre-existing condition is not something you should omit from your application, as that is a fraudulent act and will void your policy.

Can insurance companies refuse to cover pre-existing conditions?

Health insurance companies cannot refuse coverage or charge you more just because you have a “pre-existing condition” — that is, a health problem you had before the date that new health coverage starts.