Finding the right travel insurance for back pain can almost feel as painful as the ailment itself. It can be rather tricky to find cover for back problems, as some insurers exclude pre-existing medical conditions.
However, there are a range of insurers who can provide the perfect cover for your condition. It all comes down to research and putting in enough information to be able to compare travel insurance for back problems, which come in many forms and levels.
Does a back injury qualify as a pre-existing condition?
If you suffer from back problems, and have been formally diagnosed by a specialist – it’s important to declare this when you take out a travel insurance policy. Whether it is a chronic back condition or a more acute issue, you should always add this to your policy at the time of submitting all of your details.
Any condition that you have been formally diagnosed with prior to travel is considered to be a pre-existing medical condition.
Insurance providers will take a closer look at your medical history once you disclose that you have a pre-existing medical condition. This is just where you answer questions about your ailment or health complaint to give the insurers a better idea of how this may impact your day to day life.
Should I declare back pain when taking out insurance?
If you’ve been diagnosed with a back injury, even if it seemingly comes and goes – you should always declare it to your insurance provider. If it’s something that you know about prior to taking out cover, it may flare up during your trip and if you know this beforehand, then you need to protect yourself from the outset.
If you don’t declare them at the starting point of taking out a travel insurance policy, then your insurance provider may challenge you in the event of a claim. This would mean that you risk not being paid out compensation, because the insurer did not know that this posed a threat to your health – even in a small way.
What types of back injury can I get cover for?
There are a wide ranging number of back problems that people can suffer from. These can be anything from sciatica to a slipped disc, osteoarthritis and rheumatoid arthritis, or fractures to the back, and many more.
We can even find you cover for a completely broken back, or if you are awaiting further investigative scans or surgeries.
What does travel insurance for back problems cover?
Depending on what your needs are, we can offer cover for back problems from trips lasting under short trips to multiple trips. Within this, we offer cover for medical expenses, personal accidents, travel cancellation and delays, baggage claims and more.
We can also provide comprehensive cover to include tailored policies with a higher amount of excess, if required. In summary, we offer a range of different types of cover to meet the specific needs of many types of back complaints.
Compare quotes today
It’s imperative to declare all back problems when you are looking for cheap travel insurance. For the sake of just a few minutes, you can have a stress-free break knowing that you have taken out appropriate cover.
This means that in the event that something does go wrong while you’re on your holiday, you know that you can seek treatment without any financial repercussions.
The key is to shop around and compare travel insurance for back problems – this will enable you to find the cheapest deal.
Get the ball rolling by filling out our simple online application, then we can email over to you a quote within minutes.