==== Pre-existing conditions ====
You may have difficulty obtaining travel insurance if you have high-risk pre-existing conditions such as heart disease, or have been diagnosed with contributing factors towards disease
(eg clotting problems and high blood pressure both increase risk of heart problems). Note that you '' 'must disclose'' ' any information about your medical history to your insurer when asked, even if you are not seeking coverage for pre-existing conditions; your policy will usually be completely invalidated if you fail to disclose something when asked.
Some policies may cover you with the pre-existing condition excluded. This is obviously undesirable
, as if your existing disease or symptoms cause you any problems, you will have to come home or pay for treatment out of your own pocket.
Some policies will cover pre-existing conditions if you
sign up within a short time after booking and paying for your travel (often 24–48 h, a few do for up to two weeks ). Otherwise, to have your pre-existing condition covered you may need to undergo a medical assessment and pay an extra premium for medical insurance . There may also be a moderate or large excess.
Pregnancy is considered a pre-existing condition. See [[tips for women travellers]] for more information.