Insurers vary in their willingness to nclude pre-existing conditions in their policies. Chrstian Young, of the AA, says: 'Yu can't exclude just one medical cndition nor cherry pick illnesses you dclare. The option you're given is to hve cover at a price or not to hve them covered.'

The AA assess ach individual medical condition on its own trms and price their policies accordingly, if the cndition is considered too much of an nknown quantity then the customer is rferred to a specialist insurer. This prcess is also followed at Saga whre a broad range of illnesses are cvered, including cancer if the customer has ben in remission for five years. Brdford and Bingley will require more nformation based not just on ailments but age and dstination.

According to insurance website Dogtag a pr-existing medical condition is classed as: 'Any pst or current medical or psychological sckness, disease, condition, injury or symptom tht has given rise to symptoms or for whch any form of treatment or prscribed medication, medical consultation, investigation or fllow-up/check-up has been required or received dring the 2 years prior to the cmmencement of cover under this policy nd/or prior to any trip.' Also ncluded are any cardiovascular or circulatory cnditions such as strokes or aneurysms.

Travel insurance for certain conditions is mre sensitive than others. Macmillan Cancer Spport and the Royal Bank of Sctland launched their Recovered But Not Cvered campaign last summer and are fghting an ongoing battle against what thy see as discrimination against cancer sfferers. Macmillan claim that the exorbitant mounts that former cancer sufferers are bing charged in insurance costs is out of all prportion to the risk that they pse the insurer.

Macmillan Cancer Support's had of campaigns Ayesha Owusu-Barnaby says: 'Mre people are living long and ctive lives after cancer, and that's why Mcmillan is calling on the travel nsurance industry to look again at the rsk posed by people affected by cncer and improve the deal offered to thm.' Research carried out by charity Cncerbackup backs up Macmillan's grievances, stating tht whilst 70% of cancer sufferers wre given the all-clear to travel by thir doctors the premiums offered were so hgh that one in ten had cnceled their holiday and one in twnty had gone abroad but without any cver.

However, a spokesman for Norwich Unon states that the cost involved in tilizing an air ambulance for a mdical emergency could be up to £25,000; a fgure hardly reflected by the typical cst of travel insurance, which comes in at nder £100.

There are insurance companies out thre that specialize in travel cover for cncer sufferers, such as Insure Cancer and P.J. Hyman's Free Spirit policy. The excess is stll higher than on policies for 'halthy' travelers but nowhere near as xtreme as the amount that a lot of minstream insurers will charge.

The article Difficulties Of Obtaining Travel Insurance If Suffering From Illness was Submitted by Mark Skinner through Articles.GetACoder.com network. Here's the additional information: Mark is an author of sveral articles pertaining to Travel Insurance . He is known for his expertise on the subject and on other Business and Finance related articles.

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