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The following are some important points for applying for travel insurance:
• Apply within 90 days before you plan to leave. Do not leave it until the last minute.
• Apply to a number of travel insurance companies for pre-existing cover at the same time. If
you only apply to one company and are rejected, you will have to disclose that fact when
you complete the application form for the next company.
• It is essential to obtain a letter from your CF specialist providing details of your state of
health, a list of your current medications and your treatment plan. Some information
about your medical history e.g. frequency of hospitalisations could also be useful.
• Ask your CF specialist (rather than your GP) to complete the medical report section of
the application. They are more likely to know details of your hospitalisations, medications
etc. If you are applying to multiple insurance companies, choose the most comprehensive
medical form and ask your specialist to complete it. You can then photocopy that
completed report to submit to all the insurance companies – it will save your specialist
completing multiple forms.
• Provide an outline of your travel plans and itinerary.
• It may not be possible to obtain cover for long-term travel. Bear in mind that you will be
able to obtain ordinary travel insurance which covers you for most things e.g. losing your
luggage, breaking your leg, etc. The only problem can be getting cover for CF (pre-existing
condition). If you haven’t declared it and need to be hospitalised for CF when you’re away,
you will not be covered.
• Most travel insurance policies provide all medical and non-medical insurance cover for
people with chronic illnesses except for claims relating to pre-existing medical conditions.
• Most insurance policies define pre-existing medical conditions as a medical condition
which pre-dates the commencement of the insurance policy and with respect to which the
person had received advice, treatment and/or medication within 30 days, 60 days, 90 days
or maybe 180 days before the commencement of the policy.
• There are some policies where some prescribed pre-existing medical conditions are fully
covered, e.g. some asthma, epilepsy, non-insulin-dependent diabetes, strokes more than
12 months ago and some cancers. Some policies will include cover for pre-existing
conditions if you fill in a health questionnaire and it is accepted.
• It is always a good idea to check the above before actually applying for insurance cover
because any refusal of insurance cover will count against you if you apply for insurance
cover with a different insurer.