Vacation Resorts: Artisans and Travel in Mexico

Travel insurance: What is a pre-existing medical condition?

It is always important to ensure your travel insurance is right for you  having the wrong cover can be as bad as having no cover at all. Unfortunately, many travellers, sometimes unknowingly, fail to declare their all of their medical history, which could affect their medical cover, meaning that, ultimately, they are travelling abroad without sufficient insurance.

Travel insurance policies will not usually cover pre-existing medical conditions (i.e. medical problems that you have, or have had in the past) unless they are declared and you are specifically told that they are covered. If you are intending on booking online, it is likely that you will have to telephone in order to declare any conditions  online policies generally exclude pre-existing medical conditions.

Travel insurance providers definitions of pre-existing medical conditions will differ. As a general rule, if you are currently having treatment or medication for something and/or if you have ever been diagnosed or treated for any heart and circulatory conditions (including high blood pressure), any breathing and lung conditions (for example asthma), any cancer, any psychiatric illnesses (including depression) or any back conditions, then you have a pre-existing medical condition that needs to be disclosed.

If you have more than one medical condition it is vital that you declare everything. Even if the conditions seem unrelated, partial cover (i.e. cover for one medical condition and not another) is not usually available, and declaring selectively could come back to haunt you in the event of a claim. Seemingly unrelated conditions can be exacerbated when you are unwell, e.g. if you are in hospital with a broken leg, an unrelated lung condition could be aggravated due to being hospitalised in a bed for a number of days.

Just because you have a pre-existing medical condition does not automatically mean you have to pay extortionate amounts for travel insurance. Most travel insurance providers will cover conditions for a reasonable cost, and some medical conditions might not even entail an additional charge. If you do not wish to pay any extra, or your medical conditions cannot be covered, usually you will be offered the option to purchase the insurance with your pre-existing conditions put down as an exclusion on your policy. This exclusion should not affect any other claim, including claims for any unrelated medical problems. It is important to note that, should any medical claim arise that is found to be related to a medical condition that is not covered on your policy, you would not be able to claim.

The cost of covering any medical conditions will differ depending on where you are travelling to and how long you are travelling for. Travelling to Spain or the USA means potentially high bills if a medical problem arises, so the cost to cover medical conditions for these places is likely to be higher than France, for example.

Rob James is the Communications Coordinator for Direct Travel Insurance, providers of travel insurance.

MORE ARTICLES:

A Mexico Travel Special To The Mexico Caribbean Coast
A Great Mexico Travel Special should include time spent on the Mexico Caribbean Coast, where you will find so much to do and so many things to enjoy. You can easily organise a Mexico Vacation Package that will allow you to travel around Mexico seeing some of the Country?s amazing sights and then allow you to finish with a relaxing time on the Mexico Caribbean Coast.

Livin' La Vida Loca at Puerto Vallarta, Mexico
Mexico is in itself a paradise with its lot of places that offer nothing but the best comfortable life to anyone. Out of the several coastal resort-type offerings in the region, Puerto Vallarta is possibly the greatest epitome of wonderland.

Post-Holiday Spa Week and Duchess Detox in Mexico's Riviera Maya
Seven Day Mayan Retreat Package Available Through December 31, 2009 at Esencia Estate

In-Suite Spa Treatments Exude Romance in Puerto Vallarta, Mexico
New In-Suite Spa Treament and Diamond Bath for Couples at Grand Velas All Suites & Spa Resort

Puerto Vallarta Vacation Review
Just returning from a wonderful trip to Puerto Vallarta, I've decided that tropical vacations are good for the "soul". It's important to take the time to get a way from the everyday routine.

Spring Break Soccer Training and Spanish Language Camp in Puerto Vallarta, Mexico
Spring break soccer training and Spanish language camp will take place in Puerto Vallarta, Mexico.

Win a Luxury All-Inclusive Mexican Vacation for a Family of Four in Puerto Vallarta, Mexico
Family Scavenger Hunt Leads to 4-Day/3-Night Mexican Vacation at Grand Velas All Suites & Spa Resort

The Beaches Of Puerto Vallarta
The beaches in and around Puerto Vallarta may be the most diverse in Mexico. Located at the midpoint of Banderas Bay, the area surrounding Puerto Vallarta boasts 34 miles of coastline, 26 of which are sandy beaches. Within the city, the beaches are elegant and pristine, bordered by restaurants and resorts. Beaches to the north of the city tend to be longer and wider, with great opportunities for surfing and swimming. South of Puerto Vallarta, the mountains topple into the sea in places, creating placid coves and intimate sandy pockets.

La Casa Que Canta In Zihuatanejo Mexico Pacific Coast
It is difficult to do justice to the La Casa Que Canta in Zihuatanejo , but for a start, you only have to think of no kids. no noises. No distractions...just pure beauty, and total relaxation. A perfect choice for a Mexico romantic honeymoon hotel.

Puerto Vallarta: The City of Festivals
After Puerto Vallarta found its way onto the international tourism map following the release of ?The Night of the Iguana,? the city became a meeting place for artists, musicians and anyone seeking a cosmopolitan destination amongst incredible natural beauty As a result, numerous festivals have developed in Puerto Vallarta, celebrating everything from independent film to haute cuisine

The Southern Pacific Coast has Snatched the Attention of Investors from the Northern Pacific Coast
There are so many wonderful things abouth Costa Rica's Southern Pacific coast. Each city has its own unique attractions that have really sparked interest with investors who see the vision and want to be part of the growth in Costa Rica.

More Vacations at Puerto Vallarta MX
Puerto Vallarta MX is definitely one of the places where people can stay and enjoy more vacations Puerto Vallarta MX is in the state of Jalisco and is one of Mexicoýs premier resort cities

Uncovered: A New Resource for Real Estate Investment Opportunities in Puerto Vallarta, Mexico
fundVallarta announces a full online resource for discovering real estate investment opportunities in Puerto Vallarta, Mexico. With conditions similar to the property boom in California, Puerto Vallarta is poised to become an international performer with a solid return on investment. Visitors are able to access a significant knowledge-based investment resource center at the fundVallarta.com website.

Resort in Mexico's Riviera Maya Offers Luxury, Family Fun, and Culinary Excellence
A recently completed expansion provides all-inclusive getaway at the Hotel Marina El Cid Spa & Beach Resort.