Gary Hemming, a finance expert at ABC Finance, shares essential tips on handling pre-existing medical conditions when buying travel insurance, as a recent poll conducted by ABC Finance across 2000 Brits, revealed 34% of Brits do not read their travel insurance policies, and 46% opt for the cheapest ones.
What Are Pre-existing Conditions?
Gary explains that pre-existing conditions are any health issues you’ve had before buying your travel insurance. This could be anything from asthma and diabetes to recent surgeries. It’s important to tell your insurance company about these to avoid problems later.
Why You Need to Tell Your Insurance About These Conditions
If you don’t tell your insurance about these health issues, you might not get help from them if you need it while travelling. Gary stresses that being open about your health can make sure you’re fully covered.
How to Declare Your Conditions
1. Be Open: Gary says to tell your insurance everything about your health. This helps them protect you better.
2. Keep Records: Have all your doctor’s notes and health records ready if your insurance needs to see them.
3. Know Your Policy: Understand what your insurance covers. If something is unclear, ask questions.
4. Look for Special Insurers: If you have a lot of health issues, some companies specialise in offering better coverage. Gary suggests considering these insurers.
5. Check the Look-Back Period: This is the time frame your insurer will check your health history. Make sure you understand this period.
6. Understand Stability Clauses: Some insurance policies might cover your condition if it hasn’t changed for a while. Gary advises checking if this applies to you.
Finance Advisor, Gary Hemming from ABC Finance says:
By being honest about your health and choosing the right insurance, you can travel with peace of mind. Remember, it’s better to be safe than sorry, and the right preparation can make your trip smooth and enjoyable.
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