Medical Conditions Travel Insurance
If you have a Medical Condition or more than one, you may sometimes find it difficult to get Travel Insurance that covers your Medical Conditions. We work with many Providers who will cover most Medical Conditions. This allows us to find a policy which best suits your needs and your Medical Conditions at the lowest premium available.
To get a quote by telephone, contact us on 0800 047 5065 (FREEPHONE) or + 44 (0) 1273 773 017.
JS Travel Insurance can now provide cover for your Gadgets, such as Mobile Phones, Tablets and Computer Game Consoles. You will be able to select this cover on the quote page of our website.
JS Travel Insurance provides cover for Residents of the United Kingdom and the Channel Islands.
If you are a Resident of the Republic of Ireland, and you need to declare Medical Conditions.
Please check the Terms and Conditions for any Restrictions or Exclusions.
- Summary of Cover
- Excluding Medical Conditions
- Common Medical Conditions
- Why Premiums may increase to cover your Medical Conditions
- Medical Screening
- Awaiting any Medical Treatment or Investigation
- Undiagnosed Medical Conditions
- Important Information
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|
Excluding Medical Conditions
We can provide cover that excludes 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. You will have to go through the process of declaring the Medical Conditions and then we can advise you if we can exclude them.
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. If you are happy to proceed on this basis, please contact us for a quote.
Common Medical Conditions
JS Travel Insurance can provide a Policy to cover most Medical Conditons, including:
- High Cholestral
- Heart Bypass
- High Blood Pressure
- Kidney Transplant
- Ulcerative Colitus
If your Medical Condition is not listed above, we can usually cover them, so please call us for a quote.
Important: There are some Medical Conditions that cannot be included on an Annual Multi - Trip policy. Depending on the answers to the medical questions, the quote will tell us if we can cover on an Annual Multi - Trip policy.
Why Premiums may increase to cover your Medical Condition
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 of the insured person.
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 and length of cover, and the age of the customer.
Our Policies are designed to provide cover for declared and accepted Medical Conditions, plus anything unforeseen during your holiday. 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 ?
If you would like a quote which excludes cover for your Pre Existing Medical Conditions, 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 ?
Yes. All 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), you can still take out the Travel Insurance policy, 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 and might exclude the Medical Condition(s). However, this is rare.
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.
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.
Undiagnosed Medical Conditions
We are unable to cover Medical Conditions that have yet to be diagnosed. Therefore, if you are currently awaiting any tests or treatment or test results for an undiagnosed condition, any claims relating to this condition (e.g. under Cancellation, Curtailment or Medical Expenses) will not be covered.
Even though we cannot cover the undiagnosed condition, we may still be able to provide cover for the rest of your diagnosed medical condition(s), if you have any. 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.
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.
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.