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).
Travel Insurance for Medical Pre-Exising Conditions
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
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Get Going Travel Insurance (up to 85 YEARS OLD)
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)
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Jet 2 Travel Insurance
With Jet2Insurance.com single trip insurance you can have complete peace of mind for the duration of your holiday, from 3 days to 3 weeks or more!
Medical Emergency & Repatriation (up to £10,000,000), Cancellation, Curtailment & Trip Interruption (up to £3,500)
Example Quote* - £22.10 (Standard LONG STAY Single Trip)
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Insure for all for Pre Existing Medical Conditions
Many companies, especially on the internet, don't offer this protection to over 65s or senior citizens, but Insure for all do.
- Single trip policies for ages 65-99 online, Annual up to 74.
- Cover for individuals, couples or groups of up to 8 people
- Cover for many pre-existing medical conditions – subject to medical screening
Good to Go
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* - £67.34 (Silver Policy)
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John Lewis Travel Insurance with no age limits
Optional Independent Traveller Insurance to provide cover when individual elements of a trip are booked separately, rather than as part of a package. This enhancement also provides cover for flights cancelled or delayed as a result of travel disruption caused by a volcano.
- No wardrobe worries - up to £2,500 for lost luggage
- Loss or theft of your passport covered as standard
- Travel cover for up to six months
Example Quote* - £69.00 (Plus Policy)
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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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