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Compare Travel Insurance For Pre Existing Medical Conditions

Have a medical condition and looking for travel cover?

Why Pre Existing Medical Travel Insurance is Important...



Whilst most travel insurance policies include emergency medical expenses and repatriation cover, this does not extend to existing medical conditions unless you have disclosed and obtained cover for them. Healthcare abroad and repatriation can be extremely costly, running into thousands of pounds and should you become unwell on holiday as a result of a previously diagnosed illness, the last thing you will want, is to find you’re not covered and left to foot a hefty bill. Having travel insurance for pre-existing medical conditions is the best way to ensure you’re protected in the event of having to cancel the holiday or needing emergency medical attention when away (terms and conditions vary).


get going insure Get Going Travel Insurance
As specialists in medical travel insurance, they understand the difficulties of finding the right medical travel insurance cover at the right price. When you have an existing medical condition, whether it is asthma, high blood pressure or something more serious like cancer, they can provide peace of mind and cover
Example Quote* - £29.88 (Get Going Standard Single Trip)

> Get a quote from GET GOING - Link not working? try this link opens in same window


Aviva Insurance AVIVA Long Stay Travel Insurance
Aviva who are formally known as Norwich Union will cover Single trip insurance covers a trip of up to 120 days.
- They insure individuals, couples, families and groups of up to 9 people
- Optional cover for multiple trips of up to 45, 60, 90 or 120 days duration

Example Quotes from £12.00

> Quote from AVIVA INSURANCE - not working? try this


insure with ease Insure With Ease backpacker insurance
Medical expenses and repatriation - Unlimited (Platinum Cover)
Medical expenses and repatriation up to £10 million (Silver and Gold Cover)
24 hour worldwide emergency medical assistance
Up to 3 months single and 12 months backpacker (under 45)
Example Quote* - £26.14

> Quote from INSURE WITH EASE - Link not working? try this link opens in same window


explorer Explorer Backpackers 90 days Insurance
Up to £250 total valuables limit to replace your stolen or damaged items and cover your watches and sunglasses
£5 million medical expenses cover
£5,000 holiday cancellation cover
Kids go FREE on family policies
Example Quote* - £37.49 (ES Single Trip Plus)


> Get a quote from EXPLORER INSURANCE - Link not working? try this


alpha travel insurance Alpha Travel Cover Insurance

Up to £250 total valuables limit to replace your stolen or damaged items and cover your watches and sunglasses
- Single Trip & Annual Multi-trip policies to age 99
- Optional cover for over 2,000 medical conditions
- Independent travel on annual policies
- Will cover up any age group and for any length of time too!
Example Quote* - £47.21 (STC Trip)


> Get a quote from ALPHA COVER - Link not working? try this


just travel Just Travel Cover for longer stays
Just travel have developed travel insurance with cover for pre-existing medical conditions and travel insurance with no age limit, suitable for travellers over 65.
- Travel insurance cover for single trips up to 183 days
- Travel insurance cover for cancellation
- Provide cover for most medical conditions and there are no age limits
Example Quote* - £20.24 (Beyond Travel Silver)


> Get a quote from JUST TRAVEL INSURANCE - Link not working? try this



travel for medical Travel Insurance for Medical Long Stay Cover
They specialise in providing travel insurance for people who have medical conditions but don't want to be held back by them. They offer full screening – either online or on the phone – for 1000s of conditions and can offer instant cover, wherever you are going.
Example Quote* - £33.00

> Get a quote from TRAVEL INSURANCE 4 MEDICAL - Link not working? try this


AA AA Travel Insurance covers up to 185 days
20% online discount
Extra benefits for AA Members
Emergency medical assistance available 24 hours a day, 365 days a year
Example Quote* - £29.99

> Get a quote from AA INSURANCE - Link not working? try this


Worldnomads World Nomads Travel Insurance Long Stay
If you're traveling and want to travel longer, World Nomads lets you buy more cover to keep you on the road. Travel insurance for independent travelers and intrepid families. You'd rather not think about all of the things that might go wrong on your trip, but these things can and do happen.
Example Quote* - £39.99

> Get a quote from WORLD NOMADS INSURANCE - Link not working? try this


Goodtogo Good to Go Specialist cover
Goodtogoinsurance.com provides travel insurance cover to travellers of any age, with or without pre existing medical conditions. They can also cover your travelling companions on the same policy.
- Pre existing conditons such as Cancer, Heart Conditions, Diabetes, Stroke, Epilepsy and many more
- Single trip and annual travel insurance with no age limit
- Three levels of travel insurance cover available

Example Quote* - £27.34 (Silver Policy)

> Get a quote from GOOD TO GO INSURANCE - Link not working? try this


Over 59s Saga Saga Travel Insurance for older long stay cover
For weekend breaks to one year trips Cruise cover provided as standard!
- Cover most pre-existing medical conditions.
- Covers any age
Example Quote* - £22.56 (Saga Single Trip)


> Get a quote from SAGA INSURANCE - Link not working? try this

 


What is Classed as a Pre Existing Medical Condition?

A pre-existing condition is any type of medical condition that existed before you take out a policy. When applying for travel insurance with pre-existing medical conditions, you will need to complete a process called medical screening. This is where you answer questions about your health. Insurers will want to know about any condition for which you take prescribed medication and any heart, circulatory, respiratory, stroke or cancerous condition that has EVER been diagnosed – it doesn’t matter if these conditions no longer affect your daily living, or if you feel they will not cause you a problem whilst away. Failing to tell your insurer could invalidate the policy. Take a look at our ‘Medical Screening Guide’ for further information.
Costs of Travel Insurance For Pre Existing Medical Conditions

The base rate for standard holiday insurance is calculated on age, destination and length of time away. The cost of the additional premium to cover existing medical conditions will be determined by the answers you give to the medical screening questions and will reflect the level of cover you require. It’s not about the amount of medical conditions you have but a combination of current health status and the how expensive the healthcare is in the country you’re visiting. Take a look at our ‘Travel Insurance Destinations Guide’ to see which countries can affect your premium.

 

Example Pre-Existing Medical Conditions

* Diabetes Travel Insurance
* Cancer Travel Insurance
* Arthritis Travel Insurance
* Heart Condition Travel Insurance
* Allergies Travel Insurance

* Asthma Travel Insurance
* Epilepsy Travel Insurance
* Broken Bones Travel Insurance
* Disabled Travel Insurance
* High Blood Pressure Travel Insurance

Can I simply not declare my pre-existing medical condition?
Any claims made as a direct or indirect result of a pre-existing medical condition must have been declared at the start of the policy in order to be successful.

Some customers do decide to take out standard travel insurance without disclosing their pre-existing conditions as the baggage and belongings cover will still be covered.

However these customers should be cautious about claiming for medical expenses or for claiming under cancellation due to falling ill before the departure date, as non-disclosure of pre-existing conditions could very likely invalidate such a claim.
Should I include standard travellers on a specialist travel insurance policy?
It tends to be much cheaper to insure standard travellers on a separate policy than adding to a specialist policy that is designed to cover those with pre-existing medical conditions.

This is because the insurer is taking on the additional risk that the standard travellers may incur additional cancellation and curtailment costs as a result of the traveller with the pre-existing medical condition(s) becoming ill.

We therefore suggest you consider whether the standard travellers are dependent on those with the pre-existing condition(s). If the standard travellers would be unaffected by a worst-case scenario affecting the traveller(s) with the pre-existing medical condition(s), then they may only require a separate/standard travel insurance policy, which is likely to be significantly cheaper.

There will be some scenarios (eg. when travelling with those under 16) where it is necessary for standard and non-standard travellers to be placed on the same policy.

We compare a range of pre-existing medical conditions; the most common conditions we encounter are listed below:

Allergy Depression Obesity
Anaphylaxis Diabetes Osteoarthritis
Arthritis Epilepsy Osteoporosis
Arrhythmia (irregular heartbeat) High blood pressure Pancreatitis
Bowel prolapse High cholesterol Polymyositis
Cardiac valve disease Hypothyroidism Psoriatic arthritis
Cervical spondylitis Irritable bowel syndrome Retinopathy
Chronic airflow limitation Ischaemic heart disease Rheumatoid arthritis
Coronary angioplasty Joint replacement Sleep apnoea
Deep vein thrombosis Low blood pressure Slipped disc
Dementia Meniere’s disease Ulcerative colitis

 

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