Buying Cruise Travel Insurance When You Already Suffer from a Medical Condition

Purchasing a travel insurance policy before you head out on your trip is generally a wise move, and can save you a lot of trouble in case you get injured or contract a disease while on your travels. In fact, many governments have strict regulations that prevent tourists from entering the country unless they have their insurance documents. If you get injured and require treatment at the local hospitals and are unable to pay for the treatment, the government will have to fund the costs. To prevent this from happening, tourists are required to show travel insurance documentation that shows they are covered for the duration of their stay, before being allowed to travel.

If you are going on a cruise, there are plenty of things that can go wrong, and you have to plan accordingly. For starters, if you contract an illness during the trip, the captain might restrict you to your cabin. Or, you may end up missing port, and will need to pay out of your pocket to reach the next one. A cruise travel insurance policy covers all of these contingencies to ensure that your trip goes as smoothly as possible.

Take Your Time

A common mistake made by many people is that they often rush into buying their cruise travel insurance. If you have delayed buying the insurance policy until the very last moment, you will have to settle for the first policy that becomes available. However, keep in mind that you will need to do a bit of research to find the most affordable insurance policy.

Companies such as Medical Travel Compared have made it extremely easy for people to buy insurance policies, especially for those who are suffering from pre-existing medical conditions. The website has a very basic system, where you simply have to input basic details about your medical condition and then provide details about your trip, such as where you are headed, the duration of your stay, and any particular requirements that you may have. The website will then compare quotes from different insurance companies that offer policies to people suffering from pre-existing medical conditions.

Be Truthful

When submitting your form for insurance, always ensure that you provide accurate details of your medical condition. There have been many cases in the past where people misconstrued the details on their application form in a bid to get a lower premium. However, that violates the terms and conditions of the insurance company, and they have the right to reject your claim if the need arises.

There are several insurance companies which may request you to get a private examination done by a doctor of their choice, as that can provide a clearer idea about the severity of your medical condition. There are numerous insurance companies in the UK that only provide policies to people suffering from pre-existing medical conditions or who are above the age of 60, so do your search carefully and request quotes from several providers before deciding which insurance policy to buy for yourself.

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