Full Disclosure of Medical History When Buying Travel Insurance

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(No Transcript)
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Full Disclosure of Medical History When Buying
Travel Insurance
There are some people who may be tempted to veer
towards a 'sin of omission' when purchasing a
cheap family travel insurance policy. They may
gloss over their own or a member of the family's
medical history, conveniently forgetting a
little heart problem here or a persistent
stomach infection there. While pretending that
youre all in the peak of health may get you a
lower premium, it can backfire in the event of a
claim if your insurance company rejects a pay out
because of an undisclosed medical history.
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Insurance is Never Too Expensive When it Comes
to Your Health Let's set this in perspective
with a fact statistics indicate that Britons
often spend double the value of a travel
insurance policy on sweets and magazines at the
airport! Think about that for a moment if you
have enough spare money to spend on a chocolate
bar and magazines, why not spend that money on
ensuring your family is completely and honestly
covered? The good news is that even cheap
family travel insurance coverage can be adequate
for most needs but you do have to be completely
upfront with all your medical conditions, even
the most benign allergy. It might help to stop
thinking of insurance as an expense, but rather
as a wise investment to ensure a hassle-free
holiday experience with your family.
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No Medical Condition is Too Insignificant There
are those who fall into the trap of failing to
mention a small medical condition suffered in the
distant past. But buying cover, even cheap family
and best travel insurance, requires that you
answer all questions posed by the insurance
company. Moreover, not only those illnesses
contracted in the past must be disclosed, but
also any current ones. So, if you happen to
contract an illness in the time between when you
bought the insurance and travel, you must contact
the company to advise them, or you'll risk a
rejection of your claim should the need
arise. Compare Prices Not all insurers are the
same some will reject you outright if you happen
to have a pre-existing medical condition they
think is too risky, while others will require you
to take out special coverage and pay higher
premiums.
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But there are many reputable travel insurance
companies that can still offer cheap family
travel insurance to those with pre-existing
medical conditions - you just have to do your
research. Check out the websites that allow you
to make a comprehensive comparison of different
policies available, and then choose one that not
only accepts your medical condition, but also
offers a reasonably priced premium. Patrick
Chong is the Managing Director of Insure more. We
provide low cost travel insurance and offer a
range of policies including cheap family travel
insurance, annual, multi-trip and single-trip
insurance. For all your travel cover needs,
Insure more can help you in the quickest and most
cost-efficient way. Source http//articles.abil
ogic.com/101274/full-disclosure-medical-history-bu
ying.html
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