Covering Pre-existing Conditions

I have a pre-existing condition and found it easy to find out if it would be covered by asking the companies directly. You can fill out the application form without any obligation to buy. They will come back with a quote and an explanation of what would and would not be covered. Again, no obligation or pressure to buy. This way you can get a clear idea of your personal situation, as well as a specific idea of the cost.

Some of the large companies, like Sanitas and Asisa, have online applications in English if you prefer it. After you submit the form, someone will reach out to you in English. Alternatively, you can work directly with an English-speaking agent of your choosing who will walk you through the process at no cost to you, and the quote will be the same regardless of the help. The agents work for one company, so to get several quotes, you can work with several agents. I did this with two companies, and it was a very pleasant procedure. Also, once you buy a policy, that agent can be your point of contact for any future questions about the policy. You can find an agent in your area of Spain by doing a google search.

In my case each of the three companies I applied to agreed to cover me, but not my pre-existing condition (joint implants). I asked the agents if this would be a problem for residency and was assured that no - all they want for residency is proof of insurance, and exclusions are not listed on that certificate. I chose the company with the most doctors in my area.

Great info, thanks so much Al SAmD!

Can I ask what your monthly premium is, and which insurer you ended up with?

I also have a joint replacement, and I know it'll be an exclusion.

--Dayna