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).
Post Office cover for long stay trips up to 18 months!.
They were winners of the Best Travel Insurance Provider at the British Travel Awards for ten years in a row.
Example Quote* - £23.00
> Get a quote from POST OFFICE - Link not working? try this
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ALLCLEAR Travel Insurance
- Covers all sorts of Medical Conditions - Get peace of mind with cover for any medical condition including diabetes, cancer and heart disease
- No age restrictions because they believe everyone deserves the right to travel no matter their age
- Long stay travel insurance is cover for a holiday where you’ll be travelling for any period up to 12 months.
- 99% of customers are offered cover
Quotes from* - £9.70
> Get a quote from ALLCLEAR Insurance - Link not working? try this
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Regular stay policy is best if you only take one holiday or are only travelling to one destination.
Take as many holidays as you wish and be covered all year long! 17 days Winter Sports Cover FREE if you take out the 45 days policy.
Aussies, Kiwis & Saffas Cover is for round trip journeys from your current country of residence in the UK, or EU and also for one way trips of up to 12 months duration
Example Quote* - £35.00
> Get a quote from GLOBELINK - Link not working? try this
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- Travelsupermarket covers many of the options for long stay insurance and will offer coverage for all ages.
- Their quote engine probably gives more results than any other comparison site
- They have a backpacker option too, which provides budget travel cover for people of all ages.
Example Quote* - £40.00
> Get a quote from TRAVEL SUPERMARKET - Link not working? try this
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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
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Outbacker Long Stay Insurance up to 18 Months - Only up to 40 years of age
Working Holidays and a Return Trip to the UK
Cover up to 230 Sports and Activities
Example Quote* - £55.99
> Get a quote from OUTBACKER Insurance - Link not working? try this
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Cedar Tree Insurance up to 94 Days
Up to 75 years of age
They offer award-winning travel insurance that provides you with complete travel reassurance whilst abroad.
Every policy we provide boasts the highest level of cover providing you with the confidence to enjoy your trip wherever your destination.
Example Quote* - £45.00
> Get a quote from CEDARTREE Insurance - Link not working? try this
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- 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
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Example Quote* - £37.49 (ES Single Trip Plus)
> Get a quote from EXPLORER INSURANCE - Link not working? try this
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
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
Looking for a great deal on holiday travel insurance?
UK Govt Travel Advice
Sunshine Insure - Europe and Worldwide Travel Insurance for British and UK residents
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