Why is it so hard to find a travel insurer who will cover my pre-existing medical condition at a sensible premium?
In the past, travel insurance medical screening systems based their assumptions on a person’s medical condition using the same databases and analysis as life insurance companies. This meant many providers were risk adverse. Travel underwriters, who are financial risk experts rather than medical experts, avoided severe conditions such as cancer and genetic diseases as life threatening risks best avoided, on the presumption that they would incur hugely expensive claims. This attitude does not reflect modern improvements in medical treatments and outcomes. This is slowly beginning to change – many relatively healthy people, who just happen to be living with cancer or other medical conditions, can go on normal family holidays and are no more likely to be taken ill during that fortnight abroad than anyone else. The ethos behind Insurancewith is to fully understand the medical condition of the individual, and the actual risks they pose, and not rate on the perceived risk of the condition.
