Medical Conditions Travel Insurance
If you have a Medical Condition, you may find it difficult to get Travel Insurance that covers your Conditions.
We work with many Providers who will cover most Medical Conditions. This allows us to find a policy which best suits your needs at the lowest premium available.
Please Note: We can also provide policies that exclude medical conditions and also policies that cover undiagnosed medical conditions.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017.
- Summary of Cover
- Excluding Medical Conditions
- Undiagnosed Medical Conditions
- Why Premiums May Increase
- Medical Screening
- Awaiting any Medical Treatment or Investigation
Summary of Cover
|Section & Cover||Silver||Gold||Platinum|
|Cancellation or Curtailment||-||£2,000||£5,000|
|Medical and Repatriation||£10,000,000||£10,000,000||£10,000,000|
|Failure of Carrier||£1,500||£1,500||£1,500|
*The excess payable does vary depending on the claim benefit.
Excluding Medical Conditions
We can provide cover that EXCLUDES your Medical Conditions.
We have two options available through our Specialist Provider:
- Excluding cover for ALL Pre Existing Medical Conditions.
- Excluding cover for Psychiatric Conditions, but covering the rest of your Medical Conditions.
Important: The quotes available for a Single Trip policy and will depend on your Medical Conditions and the status of any awaited treatment or investigation.
This is only available for those who are 75 years old and younger.
You will have to go through the process of declaring the Medical Conditions and then you can exclude them from the policy.
Please Note: If you choose to exclude cover for all of your Medical Conditions, your policy will exclude any claims arising from or traceable to these Medical Conditions, but will provide cover for anything else unforeseen. Please call us to go through the process and provide you with a quote.
Undiagnosed Medical Conditions
We can provide a policy if you have an undiagnosed symptom as long as it does not have the potential to be connected to a diagnosed existing medical condition.
If the undiagnosed condition is related to an existing condition, we can refer this to the provider to see if we can still provide a policy.
Not all Travel Insurance providers will be able to cover this scenario, so please call us for a quote so we can select the appropriate policy for you.
Why Premiums May Increase
The most common and usually the most expensive cost to Travel Insurance providers relates to Emergency Medical Expenses and also Repatriation back to the insured person's home country following injury or illness.
Some Medical Conditions carry a low risk of a claim being made, and therefore the associated premium is relatively low.
On the other hand, the premium will be relatively higher for Medical Conditions where research shows that there is a high chance the customer will have to claim, and that in the event of a claim there would be high Medical Expenses.
Premiums will also vary depending on the Geographical Region, length of cover and the age of the customer.
This provides our customers with the peace of mind that we will cover the costs of Emergency Medical Treatment so they don't have to.
Medical Screening FAQs
Why is Medical Screening Important ?
We will ask you a number of questions which relate to your Medical Condition. It does not take very long, but can involve some personal questions. This is important so that we can decide if we can provide cover or not.
If you do not tell us about your Medical Condition(s) which you've had within the time period specified within the quote, then you might find that a claim will be refused, as we were not given the complete picture and therefore the premium would have been incorrect.
Do I need to declare Medical Conditions if I want to exclude them from cover ?
You will still need to complete the medical screening process and declare all conditions so that we know what conditions are being excluded from cover, and to ensure we can still provide a valid quote. This option is not available online and you will need to call us for a quote.
Do I need to declare minor Medical Conditions and treatment ?
All medical conditions for which you have received investigations, medical treatment, prescription medication or visits to a hospital or clinic or any other medical practitioner will need to be declared. Usually this relates to any medical treatment in the last two years. This includes mild asthma, chest infections and a sprain, for example.
What will the outcome be of the Medical Screening process ?
When you have answered the medical questions, this should only take a few moments, you will be presented with several options.
- A Standard policy that covers the Medical Condition or Conditions.
- Exclude the Medical Condition(s), but you are not covered for the specific Medical Condition(s).
- Refuse to insure you.
If we cannot cover your Medical Conditions on an Annual policy, you might want to consider a Single Trip policy instead.
Will I get refused cover in some parts of the World for my Medical Conditions ?
Depending on where you are travelling to will impact the decision. For example, if you are travelling to the USA, as there is no Public Health System, this will increase the premiums offered.
Awaiting any Medical Treatment or Investigation
If you are awaiting treatment or investigation our policy will NOT provide cover for Cancellation or Curtailment under the following circumstances:
- You receive an appointment for treatment or investigation which conflict with your planned trip.
- As a result of the awaited treatment or investigation you become unable to travel on your planned trip.
Unless you purchase our additional option for Waiting List Cover (Gold and Platinum Single Trip only)
Awaiting treatment or investigation does not affect cover whilst you are away for Medical Conditions which you have declared to us or if they are related to an already diagnosed condition you've told us about.
Should you become aware of a change to your diagnosis before you travel, please notify us immediately.
If you are awaiting an initial diagnosis for symptoms you are currently experiencing we are unable to provide cover until you have a confirmed diagnosis.