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Travel Insurance with Medical Conditions

As specialists in travel insurance with medical conditions, we understand the challenges you face when trying to get covered for dream trips. We also understand how arranging travel insurance with pre-existing medical conditions can add additional stress, when you’re looking forward to your holiday.

With medical care in many countries being incredibly expensive, you don’t want to risk travelling without knowing your medical conditions and potential bills incurred could be covered in the unfortunate event that you need medical assistance abroad.


What is a Pre-existing Medical Condition?

A pre-existing medical condition is usually considered to be any medical condition for which medical advice, diagnosis or treatment has been recommended. But note that the definition of pre-existing medical conditions might differ between insurers. That’s why it’s wise to pay attention to this aspect when shopping around for travel insurance to include cover for medical conditions.

The majority of time, a pre-existing medical condition is defined as a past or ongoing condition which has either given rise to particular symptoms or has indicated that a form of treatment was necessary, prescribed medication is/was required or that a medical consultation or investigation within a defined period prior to the beginning of the insurance was required.


Why do I need Travel Insurance for Medical Conditions?

Do you know how many travellers seek medical attention when abroad? It’s probably a higher number than you expect.  Half a decade ago, European countries have spent £155m to treat ill British tourists. Today, this number is likely to be even higher.

If you suffer from a medical condition, there is a high chance you may need to seek medical treatment whilst abroad.. That’s enough of a reason to purchase appropriate travel insurance for medical conditions before taking off on your dream holiday.

You must be wondering: what could happen if I don’t purchase that type of insurance? For starters, you could be liable for considerable medical costs if you get ill on holiday in a foreign country. In some areas of Europe, these costs can reach a whopping £25,000!

In case of an emergency, you’ll also have to cover all of your travel costs to get home. Just to give you an idea, an air ambulance from the USA will cost you around £50,000! Finally, traveling abroad without the right insurance could mean that you won’t be covered for other problems which you might experience during your trip. Think along the lines of flight cancellations or lost luggage.

You don’t want your dream holiday to become a nightmare, right? That’s why purchasing in travel insurance to include cover for medical conditions is a wise move.

If you purchase travel insurance with medical cover, you can rest assured that you’re covered for emergency medical care which is among the most costly elements of medical services. Usually, that cover will be up to £10 million, protecting you against breaking your wallet.

Moreover, travel insurance offers access to 24-hour medical emergency assistance in practically every country in the world. This type of insurance also entitles you to claim for lost baggage or even claim if you need to postpone or cancel your holiday because of your medical condition, up to the sums insured on the policy. Finally, travel insurance can give you the option of claiming for medical inconvenience benefits when you’re a patient in a hospital abroad.

Want to travel safely? Purchase your travel insurance now.

How is the cost of my Medical Cover calculated?

Insurers take many factors into account when calculating the cost of travel insurance to include cover for medical conditions. Most of the time, the price of a policy is calculated on the basis of your age, your destination, the length of your trip and any pre-existing medical conditions which you have declared.

Generally, consumers need to answer several medical screening questions before receiving the final quote. This is a set of simple questions about your health that helps to determine your conditions and make sure you purchase the right level of cover to suit your needs.

Your answers to these questions will determine the level and cost of your cover.

It is important to note that the final price of your insurance policy doesn’t depend only on your health but also on how expensive healthcare is at your destination. For instance, if you’re traveling to the United States and Canada, consider that these destinations are among the more expensive ones when it comes to receiving medical treatment.

When to purchase Travel Insurance

As the name suggests, travel insurance is a type of insurance that applies to individuals who are going to spend some leisure or business time in a foreign country. Travel insurance can also cover activity holidays and organised group holidays. But when is it best to purchase travel insurance?

It’s always a good idea to arrange your travel insurance as soon as you book your holiday to ensure that your money is protected against cancellations. To purchase travel insurance, you need to know the destination and length of your trip – and consumers usually get this information from travel agencies upon booking.

If you’ve booked a single trip, your cancellation cover starts as soon as you purchase your insurance. If you decide to purchase an annual policy, the cancellation element of your policy will start on the date you indicate for the insurance to begin. This is important to note when planning your trip and deciding about the starting date of your insurance policy.


Does my Travel Insurance cover cruises?

Cruises are one of the most popular holiday options for anyone ranging from families to couples. If you’re planning to go on a cruise, you’re probably wondering whether travel insurance works for that particular type of travel. After all, during a cruise you’ll be visiting many different cities located in several countries.

No need to worry – most insurers we work with are able to insure cruise holidays. In fact, some insurers offer specific cover that addresses the unique needs of customers who have purchased a cruise holiday. For example, by purchasing specialist travel insurance designed for cruise participants, you can include missed port cover and cabin confinement cover. To obtain more information about that type of travel insurance and calculate the costs of insuring you and your family during the cruise you’re planning, please get in touch with our friendly team.


Travel Insurance with Medical Conditions – Benefits at a glance

  • Medical cover up to £25million
  • Increased cancellation available up to £100,000
  • No upper age limits
  • Most pre-existing medical conditions considered
  • Terminal illnesses considered
  • Unlimited trips
  • Extensive hazardous sports cover
  • Business cover
  • 24 hour medical assistance telephone line

Pre-existing Medical Travel Insurance – Which conditions are included?

It is important when you speak to us that you tell us about all of the medical conditions that you have, so we can make sure you have the right cover for your needs, and so you are not liable for any costs if you require treatment during your trip.

At Insurance Choice we can arrange cover for most conditions including those with a terminal diagnosis. We know you are never too old to experience the world and therefore we have no upper age limits on our policies.

Some of our pre-existing medical conditions include:

  • Heart and respiratory conditions including Heart disease Arrhythmia and Asthma
  • Human Immunodeficiency Virus (HIV) and Acquired Immunodeficiency Virus (AIDS)
  • Mental health conditions including Stress, Anxiety and Depression
  • Physical disabilities including; Paraplegic, Quadriplegic and Cerebral Palsy
  • Previous history of Strokes, High blood pressure, Heart attacks and Angina
  • Muscle wasting diseases including Motor Neurone Disease
  • Progressive degenerative disorders such as Parkinson’s and Alzheimer’s diseases
  • Digestive conditions such as IBS, Crohn’s and/or Coeliac disease
  • Diabetes type 1 and 2 including complications from diabetes
  • Chronic Obstructive Pulmonary Disorder and Emphysema
  • Cancer incl. Stage IV & terminal diagnosis
  • Haemophilia and other blood disorders
  • Hepatitis A, B, C, D, E and G
  • Liver and Kidney conditions
  • Leukaemia
  • Allergies
  • Epilepsy
  • Multiple Sclerosis

Travel Insurance with Pre-Existing Medical Conditions suiting your specific requirements

Annual travel insurance for pre-existing medical conditions policies arranged by Insurance Choice, can be tailored to suit your individual requirements, from destinations, to activities, as well numbers of travellers. You can even add optional extras to your policy to provide additional or enhanced cover for your trip.

Making sure your policy suits your needs is easy, just speak to one of our Travel Insurance specialists now on 01926 680 778, to get a quote.


Health Travel Insurance Frequently Asked Questions

To view the full FAQs for Travel Insurance please click here.


Q. What is classed as a pre-existing medical condition?

A. A pre-exiting medical condition is usually classed as any medical condition for which medical advice, diagnosis or treatment was recommended. Many insurers have different definitions of a pre-existing condition. Generally, this is considered to be any past or current medical condition that has given rise to symptoms or which any form of treatment or prescribed medication, medical consultation, investigation or follow in a defined period prior to the commencement of the insurance.


Q. Do I need to cover my pre-existing conditions?

A. Medical costs abroad can be very expensive, therefore you should exercise caution if considering excluding cover for existing medical conditions.