Best Annual Travel Insurance With Pre Existing Medical Conditions
Traveling is a fun and exciting experience that allows you to explore new destinations, meet new people, and create unforgettable memories. However, if you have pre-existing medical conditions, the process of getting travel insurance can be daunting. You might think that you won't be able to get coverage or that the premiums will be too high. Fortunately, many travel insurance providers offer annual policies specifically tailored to individuals with pre-existing medical conditions. In this article, we will discuss the best annual travel insurance policies for individuals with pre-existing medical conditions.
What is Pre-Existing Medical Condition?
A pre-existing medical condition is a medical condition that existed before the start of the travel insurance policy. It can be a chronic condition, such as diabetes, arthritis, or heart disease, or an acute condition, such as cancer, stroke, or a recent surgery. Many travel insurance policies exclude coverage for pre-existing medical conditions or charge additional premiums to cover them. If you have a pre-existing medical condition, it's essential to disclose it when applying for travel insurance to ensure that you get the right coverage.
Criteria for Choosing Annual Travel Insurance Policy with Pre-existing Medical Conditions
Choosing the best annual travel insurance policy with pre-existing medical conditions can be challenging, especially if you don't know what to look for. Here are the criteria to consider when selecting a policy:
- Coverage limits for medical expenses and emergency medical evacuations
- Pre-existing medical conditions coverage
- Geographical coverage
- Activities coverage
- Age limits and eligibility requirements
- Exclusions and restrictions
- Customer service and online reviews
Best Annual Travel Insurance Policies with Pre-existing Medical Conditions
1. Allianz Travel Insurance
Allianz Travel Insurance offers annual policies that provide coverage for pre-existing medical conditions. The company offers three plans: Basic, Preferred, and Premier, each with different levels of coverage. The Basic plan covers emergency medical and dental expenses, while the Preferred and Premier plans offer higher coverage limits for medical expenses, emergency medical evacuations, and trip cancellations. All plans provide coverage for pre-existing medical conditions, subject to certain conditions and limitations. Allianz Travel Insurance also offers 24/7 customer service and a user-friendly website for policy management.
2. Travel Guard
Travel Guard offers annual travel insurance policies that cover pre-existing medical conditions. The company offers three plans: Essential, Preferred, and Deluxe, each with different levels of coverage. The Essential plan covers emergency medical and dental expenses, while the Preferred and Deluxe plans offer higher coverage limits for medical expenses, emergency medical evacuations, and trip cancellations. All plans provide coverage for pre-existing medical conditions, subject to certain conditions and limitations. Travel Guard also offers 24/7 customer service and a mobile app for policy management.
3. Seven Corners
Seven Corners offers annual travel insurance policies that cover pre-existing medical conditions. The company offers three plans: RoundTrip Elite, RoundTrip Choice, and RoundTrip Economy, each with different levels of coverage. The RoundTrip Elite plan offers the highest coverage limits for medical expenses, emergency medical evacuations, and trip cancellations, while the RoundTrip Economy plan offers the lowest coverage limits. All plans provide coverage for pre-existing medical conditions, subject to certain conditions and limitations. Seven Corners also offers 24/7 customer service and a user-friendly website for policy management.
4. IMG Global
IMG Global offers annual travel insurance policies that cover pre-existing medical conditions. The company offers two plans: Patriot Platinum and Patriot Executive, each with different levels of coverage. The Patriot Platinum plan offers the highest coverage limits for medical expenses, emergency medical evacuations, and trip cancellations, while the Patriot Executive plan offers lower coverage limits. Both plans provide coverage for pre-existing medical conditions, subject to certain conditions and limitations. IMG Global also offers 24/7 customer service and a mobile app for policy management.
Conclusion
Getting annual travel insurance with pre-existing medical conditions might seem like a challenge, but it's possible with the right policy. When choosing a policy, make sure to consider the coverage limits, pre-existing medical conditions coverage, geographical coverage, activities coverage, age limits, exclusions, and customer service. Allianz Travel Insurance, Travel Guard, Seven Corners, and IMG Global are some of the best options for individuals with pre-existing medical conditions.
