All travel plans contain exclusions for pre-existing conditions. Cautious by nature, insurance companies tend to sweep exclsuions from a policy even if they are not justified. It’s quicker to sweep than investigate. A recent case we had involved a client who had all cardio-vascular conditions excluded from their travel insurance even though they had their doctor submit a medical report. We advised the client to have their doctor submit a follow-up letter to clarify their condition in the belief there was a mis-understanding about the patients health status. As a result the company reversed it position and removed the exclusions. The client is happy. We are happy we were able to help. And the company is happy that, with the correct information, they were able to properly assess the risk. It was a win-win-win!
Insurance companies rate based on known risks. Unknown risks are a problem. The more information they have, the better able they are to rate a risk, and if possible, include the risk in their coverage. In the absence of knowledge, they will always sweep the risk away.