Why is it important to have cruise travel insurance for pre-existing conditions?

Planning any holiday can be costly and stressful – we spend so much time researching destinations, booking flights, and securing that perfect hotel, only to then be faced with another expense – travel insurance.

For some, locating travel insurance can be quite an easy straightforward affair – enter their details, and voila, find a cheap policy, book, and pay. But for others, it can be quite difficult and expensive, especially if they have pre-existing medical conditions. 

Now, you might be thinking that it would be better for your wallet to not declare your pre-existing medical conditions when buying travel insurance, or perhaps even not bother with buying any at all. Whilst both cases would save you a few pounds upfront – in the long run it can be quite a dangerous game. 

It is important to remember that failure to declare your medical conditions, could result in your policy becoming invalid – meaning it would be as if you never took out the policy to begin with. Should you need to seek medical treatment whilst abroad, you could be facing quite costly expenses. 

That's why it is essential that you arrange cruise travel insurance that includes cover for your pre-existing conditions. Giving you the peace of mind, you need, to truly enjoy your cruise holiday. 

Here at Compare Your Cruise Insurance, we can help you compare your cruise travel insurance, with your pre-existing medical conditions covered. Click the below button to get started!

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What is a pre-existing medical condition?

When it comes to cruise travel insurance, a pre-existing medical condition is defined as a medical condition that has been diagnosed by a medical professional, before or at the time you come to take out travel insurance. To get the right level of travel insurance, you need to notify the insurance providers of any condition you’ve been previously diagnosed with. It is important to remember that our panel is unable to help you find insurance for any condition that is currently undiagnosed. 

However, by using our specialist travel insurance panel, which can provide cover for over 2,000 conditions, we can help you compare quotes to find the most suitable policy for you. Here are some common conditions we can help you locate travel insurance for, which include, but are not limited to: Anxiety, Depression, Atrial Fibrillation, Cancer, COPD, Heart Conditions, Hernias, and Stroke. 

It is important to note, that not all conditions need to be declared – it all depends on what the condition is and when it occurred. Make sure to read the questions carefully to determine what needs to be declared. If you are in doubt, you can reach out to our team via our Contact page  or, if you have found a policy you like the look of, you can also contact the provider directly for clarity.

How do I tell you about my pre-existing medical conditions?

Using our comparison tool to declare your pre-existing medical conditions couldn’t be easier. Once you have provided us with a few details about your cruise, we will ask you whether you or anyone else on your policy, has any diagnosed pre-existing medical conditions. By answering ‘yes’ to this question, you will then move on to the medical condition declaration page.

Here, you will be able to enter your conditions, where we will then ask you a few questions about each condition, to determine its severity. This process is called medical screening. Travel insurance providers use this information to get a better understanding of the condition, so they can offer you the right type of cover, to match your needs.  

The questions asked should not be too difficult for you to answer – it is important that you answer them honestly. Once you have added all your conditions, click ‘finish’ where you will then be presented with the quotes available to you from our panel. 

What benefits does a pre-existing medical policy include?

Cruise travel insurance with pre-existing medical conditions can provide you with a wide range of benefits, for many different things. Usually, the following benefits will be included: 

  • Emergency Medical Expenses and Repatriation: Should you need medical treatment whilst on-board or on land, can help protect you from expensive medical expenses, and can help with repatriation costs back to the UK. 
  • Cancellation and Curtailment: Protection should you need to cancel your holiday, or come home early, due to medical reasons.
  • Lost, Stolen or Damaged Personal Belongings: This can help you recoup the costs for your personal belongings that are lost, stolen, or damaged.
  • Missed Port: Should your cruise schedule change, you could be given compensation for any ports missed.
  • Cabin Confinement: If you are unwell and have been asked to remain in your cabin by the medical crew, you could receive compensation for your time confined. 

Find the best quote and right cover for you and your condition

Use our online comparison tool today to see how we can help you save money on securing your cruise travel insurance policy, with pre-existing medical conditions covered!

Our panel of specialist cruise travel insurance providers are ready and waiting to help – click the button below to get started! 

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* Price is based on one traveller aged 36, with high blood pressure and is travelling to Norway for five nights. The price is correct as of April 2024. Prices may vary according to your individual requirements.

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