Pre-existing conditions are any health issues you had before buying your travel insurance. This includes chronic diseases like diabetes, heart problems, or cancer. It's important to declare these conditions when applying for insurance to ensure you're properly covered.

Standard policies don't cover pre-existing conditions because they increase the chance you might need medical help on your trip. This could lead to big claims for the insurer. That's why specialised policies for pre-existing conditions are so important for many travellers.

For those with health issues, special travel insurance is key. It offers protection and peace of mind. You'll get medical care if your condition gets worse or if new problems come up during your trip. This coverage can save you from hefty medical bills and ensure you receive proper care abroad.

Look at what conditions are covered, the limits, deductibles, and premiums. Check for exclusions or waiting periods too. Also, read reviews and see how well the insurer handles claims for pre-existing conditions. Consider the level of customer service and ease of making a claim, especially when you're in a foreign country.

No, not all insurers in Singapore cover pre-existing conditions. Make sure to look for policies from trusted insurers that offer this coverage. It's worth taking the time to compare different providers and their specific offerings for pre-existing conditions.

The claims process for travel insurance with pre-existing conditions typically involves providing detailed medical documentation. You may need to submit a medical report from your doctor, along with receipts for any treatments received during your trip. It's important to keep all relevant documents and contact your insurer as soon as possible if you need to make a claim.

Yes, many insurers offer travel insurance for pre-existing conditions to travellers over 65. However, premiums may be higher, and there might be additional medical screenings required. Some policies may have age limits or reduced coverage for older travellers, so it's important to check the terms carefully.

Some insurers do offer annual travel insurance plans that cover pre-existing conditions. These can be a good option if you travel frequently. However, they may have limitations on trip duration or require you to declare your condition before each trip. Compare different annual plans to find one that suits your needs and travel habits.

If your pre-existing condition worsens while you're travelling, contact your insurance provider immediately. They will guide you on the next steps and may arrange for medical assistance or evacuation if necessary. Keep all medical documents and receipts for your claim. It's also a good idea to have your policy details and emergency contact numbers easily accessible.

Yes, mental health conditions are typically considered pre-existing conditions in travel insurance. This can include conditions like depression, anxiety, or bipolar disorder. If you have a mental health condition, it's important to declare it when applying for insurance and look for policies that offer coverage for mental health-related issues.