- Most travel insurance policies exclude pre-existing injuries or illnesses from medical and hospital expenses and other disability or death cover.
- Injuries or illnesses which occur during your trip are covered—unless they are related to your pre-existing chronic illness.
- However, some policies allow for cover for pre-existing conditions if you pay a higher premium. There are usually some exceptions to this, such as terminal illnesses, mental disorders or heart conditions.
- Other policies might allow cover for pre-existing injuries or illnesses if you or your doctor fill in a health questionnaire and the insurer is prepared to accept the risk.
- Some policies list some pre-existing conditions they will cover, such as diabetes, epilepsy, asthma and some cancers, so long as the health problem is under control.
Next Section: How Do I Apply for Medical Cover?
