There are 5 myths about getting travel medical insurance pre existing conditions that can prevent you from getting adequate coverage at an affordable price. Provided that you know them, you can manage to avoid them and get the deal you want.

Myth 1: You cannot get a standard travel medical insurance policy if you have pre existing conditions.

It is not uncommon for people who know little about insurance to believe that they cannot get a standard travel policy, if they exhibited symptoms and have been diagnosed and treated for an illness or injury. This, however, is a totally wrong notion.

The fact is that there is no way for the insurance company to know whether you have symptoms which are not evident. They cannot know whether you have been diagnosed by a legally qualified physician. They cannot know if you are undergoing treatment and taking drugs. That is why you can get a standard policy, but you will not get any benefit, if you make a claim, as the insurer will request your medical records and find out about your condition.

Myth 2: You cannot travel safely if you do not get travel medical insurance pre existing conditions.

A lot of people think that this is the only type of coverage that offers protection and guarantees you adequate treatment, if you happen to need medical help when abroad.

The fact is that there are other ways in which you can get covered. You can get international health insurance. The other option, which is often recommended, is for people like you to get a European Health Insurance Card (EHIC). It can be used in EEA countries and Switzerland.

Myth 3: It is best to wait until the last minutes to buy travel medical insurance pre existing conditions.

Some people who want to travel and have received the appropriate medical treatment for their condition think that they can get a more affordable deal, if they get a policy, after they have started to feel better. This is definitely not the case.

The fact is that your current condition is irrelevant for the cost of the policy, provided that you have been diagnosed and treated for a condition 60 or 180 days before you buy the policy. In fact, you will not be able to secure coverage, as you will be denied a policy, if you are unable to travel. Simply put, you will not save if you wait until the last minute. The only way, in which you can save, is to wait for a period of 180 days after you have been fully treated and then get a standard policy.

Myth 4: You can get travel medical insurance pre existing conditions no matter what your pre existing conditions are.

It is wrongly assumed that no matter what you illness or injury is you will still be able to get this kind of policy, as it is designed for ill people. This is certainly not true.

The fact is that your pre existing condition or conditions have to correspond to a set of criteria. If they do not meet these criteria, you will most likely be denied coverage. The illness or injury you have must not have taken a turn for a worse. This is one of the criteria that you need to meet in order to become eligible for this plan. The other condition is that you must not be in a state, in which any changes will bring about a turn for the worse.

Myth 5: You cannot save on travel medical insurance pre existing conditions.

This type of coverage is extremely expensive and extremely hard to get. This is a myth that puts many people off travelling. The reality is that this is probably the biggest myth about getting this type of travel insurance.

The fact is that it is perfectly possible to find an affordable deal, even if you are taking prescription drugs or are in the middle of an extensive medical treatment. One way to save on a policy is to get and compare multiple quotes. This is possible since numerous companies offer such types of coverage. There are also discounts available to senior citizens. Some companies lower the premiums for one-time travel policies for people with illnesses who are medically able to travel.

Now you know how to get affordable travel medical insurance pre existing conditions that will protect you financially during your travels.