Travel Insurance - Pre-existing medical condition

Sitbh

Hi guys and girls,

I'm looking to get travel insurance for a trip to the states and i do have a (dormant) inflammatory bowel disease. Declaring this jacks up my cover cost.. which is understandable. However, i'm a fairly new diagnosis, with a very mild condition that i won't be seeking treatment for abroad.. It's in a manageable state and I've been abroad with it before with no issues.

So for that reason, i don't want travel insurance to cover it. I'd just like everything else.. broken bones.. baggage loss etc. Is this possible? Reading through some policy documents, a lot of companies state they do not cover direct or indirect (whatever that may be) issues with pre-existing medical conditions. The wording suggests it may not cover anything at all - who's to say what an indirect cause of condition is?

I'd just like to be covered for everything but my condition (ulcerative colitis)!

Any advice is more than appreciated! Thanks guys.

Simon

InsideInsurance

Some insurers exclude all pre-existing conditions and so may not even bother asking about them. Some will rate on conditions, obviously peaking the premium if you want cover and possibly a minor increase if you are happy for the condition to be excluded.

Indirect -v- direct is possibly not the best wording but is fairly straight forward in that direct is the condition itself and indirect is its known complications. If we take diabetes as an example as its one I know a little more about then going into a diabetic coma would be direct. Having a heart attack could be indirect as diabeties is known to significant increase the heart disease but ultimately it would come down to if the treating doctor links it to the pre-existing condition or not.

hunters

I wouldn't scrimp on health travel insurance for the USA, declare it and pay the premium. Maybe thats just me but having a bill for £220 for attending an A&E clinic I'd rather my insurance pay it, which they did, rather than me have to pay it.