If you're seriously interested in knowing about travel insurance, you need to think beyond the basics. This informative article takes a closer look at things you need to know about travel insurance. Wise readers will keep reading to earn some valuable travel insurance experience while it's still free.

In case you have some special needs make sure that your special circumstances are covered by the policy you have selected.

Pre-existing medical conditions

Most insurance providers do not cover pre-existing medical illnesses or medical conditions automatically. Travellers should apply for coverage for their pre-existing conditions via an application, which is, a subject to approval and possible payment of a premium. However, note that there are illnesses and conditions that will not be covered under any circumstances. And some insurers offer automatic coverage for common illnesses/conditions like asthma, tinnitus, or stable high blood pressure but the traveller has to check as conditions can vary. For example you may not be covered if you are on a hospital waiting list for treatment for your illness or condition. Also insurers can offer you a policy excluding claims caused by your condition or they may not offer an insurance policy because of the destination of your trip.

What is a pre-existing medical condition?

Usually it is defined as chronic or current medical or dental condition for which you have received treatment or advice within a specified time prior to the policy being issued or medically documented prior to departure.

If the insurer agrees to cover you it is recommended you get it in writing. There may be an extra premium and check the excesses relating to the pre-existing condition. In case you cannot find travel insurance for your condition it is still important to purchase travel insurance for other claims.

Pregnant Women

Most insurance policies will cover pregnant women on application however you might be charged an extra premium for prior complications.

During pregnancy the cut-off point for coverage varies from 26 weeks to ‘no time limit’, with 26 weeks being the norm. Many policies don’t cover the medical costs of a premature baby while covering unforeseen complications of the pregnancy during that period.

Some insurers charge an extra premium. But note that policies do not cover full-term birth. And some insurance policies don’t cover you if you purchase a policy and leave on your journey without knowing you are pregnant.

Senior Travellers

Most of the insurance policies have special conditions for older travellers. Some of them will require the additional payment while others will not provide coverage after 75.

Most will require a medical estimation; some will charge a higher premium or extra fee while other insurers have no fee but have an extra excess for medical claims.

Adrenalin Seekers & Adventure Travellers

Do not forget to check what activities you are covered for as well as what activities you are not covered for. Most amateur sports are covered although there are many exclusions: base jumping, mountaineering, snowboarding, running with the bulls and professional sports. All insurance policies will outline the specific ‘adventures’ which are covered. Although note that an additional premium may apply and remember to read the conditions.

Working while abroad

Working while travelling is a cost effective way of financing your trip. Nevertheless some policies don’t provide cover for manual labor or an accident that has happened while working. Policies that do provide cover usually may charge or may not the extra premium.

And make sure you double-check what you are buying. Pay special attention to the conditions and restrictions found in the product disclosure statement before you leave. It is essential for you to examine all the fine print on your policy before making any decision.