Everybody should get a travel insurance policy before they go on a vacation, because it can protect them from financial losses that may occur because of accidents or illness. It is possible that people fall sick when they are vacationing in a foreign country, and they may have to spend a huge sum of money to get medical treatment. In some countries, certain medical services can cost up to tens of thousands of dollars, and some travelers may not have the financial resources to pay for their medical treatments. With a good travel insurance policy, travelers can be assured that they will not have to pay hefty medical expenses out of their own pockets.
Nevertheless, obtaining a travel insurance policy may not be an easy task for those who are suffering from pre-existing medical conditions, such as cancer, diabetes, high blood pressure, heart illnesses, arthritis, and others. Many insurance companies are not willing to take the risk to insure such travelers, because there is a higher chance that they will need medical care during their vacations. When travelers seek medical attention during their travels, the insurers have to pay compensation to them. There are insurance providers that offer special policies for those who have pre-existing medical conditions, but they will usually request applicants to undergo a medical screening test.
For travelers who have an undiagnosed disease, the process of applying for travel insurance is more complicated. Most insurance providers will not approve the applications of people with undiagnosed illnesses, because they do not have a clear understanding of the consequences of the conditions. Some diseases may need extensive and advanced medical care, and this can cost the insurance companies a lot of money. It is possible to find insurers that provide coverage for undiagnosed conditions, but there are very few of them. Applicants will be asked to present their medical records, and they have to take a medical screening test as well. Approval is given on a case-by-case basis, and there is no guarantee that a person with an undiagnosed condition will be successful in obtaining travel insurance coverage.
If you are waiting for the results of a medical test for undiagnosed disease and you want to apply for travel insurance, it is advisable that you show the insurance company a medical statement from your doctor. The statement should include information such as the chances that the diagnosis will be positive, the stability of your condition, the symptoms of the illness, the kinds of treatment that are recommended, and other details.