What would happen if you have one months trip to America booked - Departure diagnosed in six months - and were unexpectedly with lung cancer? Suppose you have to cancel your holiday and go in for immediate surgery. If you had taken a prudent and comprehensive travel insurance - effective from the date of the trip is booked - you should be able to be associated costs in connection with the cancellation of the trip () then return in excess. However, if you had waited until the day before departureare not covered for the purchase of travel insurance costs of cancellation. Some people try to use the extra miles from their travel insurance annual start date of the policy of pressing time of first departure. This is a risky thing to do, because there is no cover for cancellation costs if something goes wrong, before departure.

Then suppose that would share tests and examinations within the last year for lung problems, butnot to state this fact when buying travel insurance. During your diving holiday in California, you start coughing up blood all over the boat. You should seek emergency medical care and diagnosis of lung cancer is confirmed. Want to be covered by the high cost of medical emergency or interruption of the trip? Probably not.

All those who have a serious pre-existing disease already know that travel insurance can be difficult to obtain, but notimpossible. Some insurance companies also travel to all requests in relation to pre-existing diseases. Some insurers will be for pre-packaged food from the existing rules, with no additional premium. Travel insurance may provide a complementary system of medical screening, which are normally conducted by phone or online. A number of questions will be asked to assess risk and determine if the insurance can be issued. If approved, it could be a choice to pay an additionalPremium for the cover pre-existing condition - or choose not to pay the additional premium and to exclude claims relating to the risk.

Common diseases like hypertension (high blood pressure), diabetes and asthma to lose all the problems in trying to obtain travel insurance - especially when combined with other conditions, so as not to think of something as common as high cholesterol, that is irrelevant now open! All questions must be answered fully andhonest.

As with any type of insurance, there are always exceptions. Some insurers refuse patients with pre-existing conditions to ensure a cancer in need of serious kidney problems (dialysis), severe heart disease, stroke and HIV, AIDS or AIDS. Also, do not cover for suicide or suicide attempts - in case you think the jump from the Golden Gate Bridge!

Most travel insurance companies will have similar formulations, andessay to read and understand the terms and conditions. For example, you might clauses that you should never get against the advice of a doctor or medical treatment to go abroad (if not already known and already approved). The same goes for those on the waiting list for surgery or procedures, or until the results of medical tests. There are specialists who travel insurance is often fatal diseases.

During the medical examination may be asked tospecific issues such as: "Have you been a patient of the hospital or any medical condition that requires ongoing therapy or a specialist in the past twelve months? Have you ever suffered or been diagnosed with cancer (or any other malicious disease), heart or lung disease to be treated (with the exception of well-controlled asthma), hypertension or psychiatric illness?

All requests to carry out, directly or indirectly, to such conditionsabove are generally excluded - unless you account for this disease and has been accepted by the underwriter, subject to the conditions imposed or additional premiums. Regardless of whether a particular company is willing to travel insurance, insurance depends on various factors, as offered by the issuing bank, so it's useful to have first-order ed.

The biggest mistake is the risk that a condition is reached as regards the disclosure of insurance. Youcould get away with it, if there are problems and you have no reason to ask a question. However, it is appropriate that, if the worst happens, the insurance company has ways to discover - and know - all pre-existing conditions! You could wind up with huge medical expenses and your insurance company has denied the allegations. With the high cost of medical care in some countries (notably the U.S.) is not worth it. Always be completely honest, so you can have peaceMind and enjoy your vacation without worrying about any profit!

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