Medical Conditions Travel Insurance
If you have a pre existing medical condition, you know it can be difficult to get a Travel Insurance quote and policy that covers these conditions. We work with many Providers for this type of Travel Insurance; including Holiday Extras, Good to Go Insurance, Free Spirit and Alpha Underwriting. So we are able to find the best policy for you and make sure you are covered for your Medical Conditions.
To get a quote by telephone, contact us on 0800 047 5065 (FREE) or 01273 773 017
JS Travel Insurance provide cover for Residents of the United Kingdom, the Channel Islands and the Republic of Ireland.
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|
Common Medical Conditions
- High Cholestral
- Heart Bypass
- High Blood Pressure
- Kidney Transplant
- Ulcerative Colitus
If your Medical Condition(s) is not listed above, we can usually cover them. There are some Medical Conditions that cannot be included on an Annual Multi Trip policy, such as Heart or Lung Conditions. Depending on the answers to the medical questions, the quote will tell you if we can cover on an Annual policy. We are unable to cover Medical Conditions that have yet to be diagnosed.
If you have given up smoking and you are using an electronic cigarette, this is not classified as still smoking so you should declare that you have given up smoking.
Travelling with a Medical Condition
The most common and usually the most expensive cost whilst travelling is Medical Assistance and Repatriation back to your country of origin. This is why if you have a higher risk to make a claim, the Premium will be more expensive than an ordinary trip.
These types of policies are designed to provide cover you if you were to fall ill whilst away, due to your Medical Condition and you have declared this to us, you have peace of mind that we will cover the medical costs.
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 Conditions, then you might find that a claim will be refused, as we were not given the complete picture and we were not aware of all your Medical Conditions. It is worth noting that you cannot choose to tell us some of your Medical Conditions and leave out others.
What ever the Medical Condition even if it is minor such as Asthma, it is always a good idea to declare this.
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), you can still take out the Travel Insurance policy, but you are not covered for the specific Medical Condition(s).
- Refuse to insure you.
Even if we refuse the cover for you for on an Annual policy, you might want to consider a Single Trip policy instead.
Depending on where you are travelling to will impact the decision. If for example you are travelling to the USA, as there is no Public Health System for visitors at the moment, this will increase the Premiums offered and might exclude the Medical Condition (s).
If you cannot find a policy that suits your requirements and you would prefer to speak to someone, please feel free to call us to go through the process over the telephone.
Before you leave the country, it is important to purchase a Travel Insurance policy that will cover your Medical Conditions.
This Travel Insurance is provided by goodtogoinsurance.com. Goodtogoinsurance.com is a trading name of Ancile Insurance Group Limited, Registered Address: Kao Hockham Building, Edinburgh Way, Harlow, Essex, CM20 2NQ. Authorised and regulated by the Financial Conduct Authority - No. 471641.