Por Simon Powell, en Innovación

Las aseguradoras españolas discriminan a las personas con discapacidad y problemas médicos

7 abril, 2015 (10:05:09)

For most people, organize a trip is exciting. What illusion decide the country, the hotel and the sites visited.

Many people also want to know what health resources, such as pharmacies and doctors, has the area before traveling to her, as you may have a medical condition that requires regular treatment or medication, such as diabetes, heart disease or cancer.

However, travelers with disabilities or a preexisting medical condition often exposed to the added danger that many are completely unaware: your travel insurance.

This is because the policies most insurance companies do not provide coverage Spanish travel claims for medical emergency or trip cancellation people with preexisting medical conditions.

A recent review of the main Spanish travel insurance (Mapfre, Europ Assistance, Allianz, Zurich, FIATC, RACE and Axa) revealed that their policies exclude claims for medical emergency and cancel associated with a preexisting medical condition.

This means that travelers who have a disability or chronic illness and buy these policies are exposed to the risk that, if they suffer a medical emergency before or during the trip from the insurance company rejects your claim, causing an economic loss and a and stress added to a stressor itself.

Moreover, in most cases these exclusions also apply to medical conditions associated with the emergency. This means that if, for example, a person with high blood pressure, or hypertension, suffers a heart attack while traveling, its claim regarding the emergency medical assistance may be rejected based on the relationship between the conditions.

The new insurance Fit 2 Trip Travel, which specializes in covering travelers with pre-existing medical conditions, made this revealing review to publicize the exclusions of coverage offered by most of the policies.

Its founder and CEO, Simon Powell says: "People who travel need to know that the policies by paying some insurers may not protect them in case of medical emergency. The exclusions are usually hidden in the terms of the policy, so that not all customers can read and discover the problem at the time of the claim. Fit2Trip technology allows our customers to declare their medical conditions in a clear and transparent manner, giving them the peace of mind that they have the coverage they need. "



Europ Assistance

In any case excluded from the guarantee insured damages, situations, costs and consequences of:

1. Illness, injury or pre-existing or chronic conditions suffered by the Insured prior to departure as well as those that happen in the course of it.


ARTICLE 4.2. SPECIFIC EXCLUSIONS FROM COVERAGE PERSONAL ASSISTANCE addition to the General Exclusions to all the guarantees of this policy described in Article 12 of these General Conditions shall not be hedged the following events and their consequences:

a) The services required for the care of pre-existing conditions that are not held as vital urgency. This exclusion does not apply to the liability for "transfer or repatriation of the deceased Insured".


11. Expenses incurred for an illness or accident which the insured was not restored at the time of start of your trip or at the time of the continuation of the same, according to the warranty 1, or deemed by the medical team ALLIANZ GLOBAL ASSISTANCE were contraindicated with such travel.



A. General Exclusions Concerning all warranties These exclusions are applicable to all coverages except 4.1 Cancellation fees and travel the five Liability Private.

Illnesses or injuries that occur as a result of pre-existing, severe or chronic diseases, risk of aggravation of the insured and their complications and relapses.


Travel insurance Zurich Travellers not cover people over 70 years, accidents in countries or geographical areas at risk, or people already suffering a serious illness.


Excluded Risks

Claims which may arise directly or indirectly from the assistance, medical care or treatment received during the 18 months preceding the application for insurance by the Insured or persons are applicable Lasque coverage of this policy


Exclusions from the guarantee of reimbursement cancellation fees:

Claims which may arise directly or indirectly from existing, congenital, chronic diseases or conditions under medical treatment prior to departure.

Exclusions from guarantees medical assistance and staff travel:

1 The disease or previous injury to departure (only excluded the application of collateral 1.3 Health Benefits), those produced as

consequence of chronic conditions, complications or relapses and those derived from criminal activities directly or indirectly attributable to

Insured or their companions.

Review by Fit 2 Trip to the policies available on the websites of insurance on 30 and 30 March 2015.