Most people agree with the saying that travel broadens the mind, and that’s because it introduces you to unfamiliar cultures and lets you hear the stories that people from countries all over the world have to share. Even if you only visit one country while travelling, you’re bound to meet people from all walks of life, and meeting new people is only one thing that makes travelling so much fun. When you visit a country for the first time, you see world-famous hotspots, natural wonders, human-made architectural masterpieces and urban sprawls that are very different to the place you call home. However, travelling is much easier for some people than it is others.
Needless to say, you need to save cash diligently to make your travel dreams come true, and it’s not just the cost of flights and hotels you need to worry about. It’s crucial to buy travel insurance before embarking on a new adventure because you never know what might go wrong, even if most holidays go down with a hitch. You can never be completely sure that you won’t lose your valuables and baggage due to somebody else’s negligence, and accidents abroad are far from rare. You don’t want to sustain an injury without having the funds you need to cover medical expenses, which is why it’s so crucial to purchase travel insurance.
Unfortunately, travel insurance is usually more expensive for those with medical conditions than those that haven’t, and that extra cost might deter some people from organising the trip of a lifetime. Needless to say, the cost of insurance for people with medical conditions is a little higher because they’re statistically more likely to make a claim, but due to the fact that millions of people with conditions like asthma and even cancer travel every yearand don’t experience problems, you may be able to find a cheaper deal than you might think. However, it’s worth stressing at this point that you should never neglect to purchase insurance in a bid to save cash and make travelling less expensive.
Don’t Take the Risk
Even if your pre-existing condition barely affects your day to day life, you never know whether or not it will affect you while you’re on holiday. It’s easy to think that the chances that you’ll need medical attention are so slim when you’re only travelling for a week or two that’s hardly worth buying, but as we all know, problems can and do arise at the most inconvenient times. The last thing you need is to be handed a medical bill worth thousands after receiving treatment with no way to recuperate the money, and in the worst case scenario, you might even be refused treatment if you don’t have the funds ready.
It’s also worth remembering that just because your travel insurance will be tailored to your pre-existing condition, it doesn’t mean that it won’t cover everything that the more common travel insurances packages do. Keep reading below for a quick insight into the kind of things travel insurance covers, whether you have a pre-existing condition or not.
The Benefits of Travel Insurance
Most people learn the hard way that travel insurance is completely necessary for every single holiday. Some people go abroad time and time again without being covered and then suddenly find on their 100th trip that an accident can be a major financial setback if they have no policy in place to cover the costs. Here’s how travel insurance can protect you in almost every situation:
- Lost baggage – Most airlines and travel companies will gladly handle your baggage for you to make your life easier, but they often won’t accept responsibility if something goes wrong or your valuables get lost. The way they see it, they’re doing you a favour, and if an accidenthappens, you’ll be liable to pay for replacing anything that goes missing. Insurance providers, however, don’t think this way, and they realise that most people expect the travel companies they utilise to take great care of their belongings. That’s why if anything does go wrong, insurance providers will reimburse you for the cost of all your lost goods.
- Medical expenses – Most people purchase travel insurance specifically with medical costs in mind because hospital and doctor fees abroad can be extremely expensive, especially if you want access to high-quality treatments. Needless to say, this is especially important if you have a medical condition that could cause problems and require treatment at any given moment, which is why it’s so important to find an insurer who will offer good cover regardless of your condition.
- Airlifts – Imagine you get stranded at the top of a mountain during a skiing or hiking trip and can’t get down on your own. In this situation, you may need an airlift to the nearest airport, and covering the costs of such a service can be extremely costly. Fortunately, many insurers provide packages that cover you in the unlikely event you’ll need an airlift to safety, and most packages include cover for early plane flights home should you need them.
How to Find the Best Deal on Travel Insurance if You Have a Medical Condition
So, you now know that you shouldn’t avoid purchasing travel insurance to save money, and you also know that you might have to pay a little more for cover because of your medical condition. Fortunately, companies such as Medical Travel Compared exist to make finding cover for an affordable price simple, and using a comparison site is beneficial in a number of different ways.
When you’re busy making travel plans, the last thing you want to do is call potentially dozens of different companies to find out who is willing to provide cover, but comparison sites allow you to compare many companies by filling out a simple form. On one page, you’ll see the price of insurance and what it covers, allowing you to make your travel plans with ease and stick to your budget.