Wednesday, June 15, 2022

Which Travel Insurance With Medical Conditions

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How Do I Declare My Condition

Travel insurance for pre-existing medical conditions LV=

To declare your pre-existing medical condition, simply enter your travel details in the search bar at the top of this page. You’ll then be taken through to our medical screening process. Be as open and honest as possible with the information you provide.

Here are a few examples of the questions you may be asked:

  • Are you currently having or awaiting any cancer treatment?
  • Has the cancer ever spread from your bowel to other parts of the body?
  • Have you been offered any cancer treatment but chosen not to proceed?
  • How many unplanned hospital admissions have you had within the last 2 years?
  • Are you taking any medication for this or any other cindition you have?
  • Are you taking strong painkillers every day for this condition?

Will An Insurance Provider Approve My Application

Potential insurance providers will want to know about your medical history, to determine any risk factors when considering covering you. Theyll ask for quite detailed information, so be prepared to answer specific questions about your health, or even take part in a medical screening. If you don’t provide honest and accurate information about your medical history, it may invalidate your policy. Youll be asked how severe any pre-existing conditions are and what medication you took.

It might seem intrusive, but this information helps insurance providers assess the risk factors and build up a picture of how likely youll require medical treatment while youre on holiday. Once youve disclosed all the required information, a travel insurance provider may:

  • offer cover on standard terms despite your condition
  • refuse to cover the pre-existing condition, but offer to insure you on standard terms for any new issues that may arise while on holiday
  • offer cover with other restrictions or special terms
  • offer cover with a higher excess
  • offer cover that includes the pre-existing condition, but increase the normal premium, perhaps by a significant amount

If you cant find an insurance provider, then its worth contacting a charity connected to your condition as they may be able to direct you to one that will cover you.

What Isnt Covered By Medical Travel Insurance

Much like a standard travel insurance policy, there are certain things that wont be covered under your policy. These usually include:

  • Any pre-existing conditions that you didnt declare when buying your policy
  • Incidents involving drugs and alcohol
  • Travelling against FCDO advice
  • Optional extras including cruise cover, business travel and winter sports

The most important thing when buying a pre-existing medical policy is to ensure youve got the right level of cover for your specific condition. This includes how much an insurer will pay out if you get ill abroad and how much excess youll need to pay on your policy. Policies can vary, so be sure to check the details of your policy before you buy to make sure youre happy with the level of cover.

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Travel Insurance For Pre

If youre looking for travel insurance with medical conditions, youve come to the right place! When you go away, you dont want a medical emergency to run up massive bills that arent covered by your policy. At InsureandGo, we consider all medical conditions and offer a minimum of £5 million cover for medical expenses.

Best Time To Travel To Belgium

Travel insurance with medical conditions

Belgium’s climate is separated into four different seasons: spring from March to May, summer from June to August, autumn from September to November, and winter from December to February the following year. Because the weather in Belgium is cold in the winter and early spring, travellers flock to the country during this time. Although the weather has four distinct seasons, the transition is gradual, each season has its own set of advantages and pitfalls.

Summer is when most of the events in Belgium take place, including the Vegetarian Festival. And this is the busiest time of the year to travel to Belgium and it is difficult to get a room if you havent booked in advance. Winter in Belgium is also wonderful if you prefer chilly weather and playing in the snow.

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What Do You Need To Do About Your Prescription Medication

We suggest you carry extra supplies in case youre delayed abroad. Subject to airline restrictions, carry your medication in your hand luggage and not in checked-in bags.

Also, its useful to travel with a copy of your prescriptions. Always check that your medications are not prohibited in the destination youre travelling to.

Reviewed by Kay Greveson, Clinical nurse specialist and Chair of IBD Passport charity. Kay is a qualified independent nurse prescriber and has been an IBD specialist nurse since 2005. Kays research interests include travel health and IBD.

1 Ranked first Overall for Travel Insurance on from over 14,300 independent customer reviews on 27/01/2021.

Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 25,000 reviews as of May 2021.

I Was Diagnosed With A Medical Condition After I Booked My Insurance Am I Still Covered

Yes, usually, if:

  • Your doctor says youre fit for travel
  • You’ve told us about these changes to your health

When you tell us about a new medical condition and we agree to cover it, you may have to pay a bit more.

If you dont agree with any changes to the terms and conditions, you may get a full or partial refund. If we cant cover you, you may be able to cancel your holiday if it hasnt started.

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Can You Afford Travel Insurance

Insurance that provides full cover when you have a medical condition can be expensive, but thats why its worth trying a few firms to find the best deal.

If shopping around is too exhausting, you can ask an insurance broker to do this on your behalf. Youll only have to provide your details once, which the broker will send on to several different insurers.

An insurance broker can also support you if you have to make a claim.

You can find an insurance broker through the British Insurance Brokers Association website

How Can I Find The Right Cover If I Have A Medical Condition

Travel Insurance: What are pre-existing medical conditions?

One of the best ways to find the right travel insurance, if you have a pre-existing medical condition, is to simply find out whats out there and compare the offers. Not only will this help you save money, by finding cheaper premiums, but youll also be able to compare the features and exclusions of each policy.

Its vital that you find the right level of protection for you. Its great to get the cheapest travel insurance, but if youre not covered for the things that matter, you may as well not have it at all. Theres a lot of information out there, and lots of different options to tailor your policy to your needs.

With Compare the Market, you can simply tell us what you expect to be doing while youre away, where youre going, and how long youll be gone for. With a few extra questions about your medical requirements, we can bring you a selection of quotes that are suited to you and do not contain any exclusions for medical conditions that have been disclosed. You can then compare the benefits of each, and make the right choice.

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Who Counts As ‘close Family’

Insurers typically list in their policy documents which relatives count as ‘close’ and are therefore within the scope of the policy. These include spouses, siblings and parents.

However, not all insurers cover nieces/nephews or uncles/aunts within their definition. Similarly, while many cover unmarried partners and in-laws, the close family of unmarried partners won’t always be included.

Does Us Travel Insurance Cover Pre

Unfortunately, insurance companies do not really offer plans that cover pre-existing medical conditions. Travel insurance is supposed to cover you for any medical emergencies that happen while abroad, such as an accident or sickness but not a medical condition you already had on the day that the travel medical insurance coverage came into function.


There are certain conditions that many companies can cover without any additional costs.

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What Do I Need To Get A Quote

Getting a quote only takes about 3 minutes. Having this information to hand makes it easier:

  • Name, age, address
  • Where you’re travelling
  • Any medical conditions

There are questions about your general health as well as your medical conditions, so we can show you quotes with the most accurate level of cover.

You just need to be registered with a medical practitioner in the UK and ensure you declare all medical conditions when getting a quote. Depending on how serious your condition is, you may need to have a medical exam. Other than that, you shouldnt need anything from your doctor.

What’s The Best Travel Insurance For Pre

Travel Insurance For Medical Conditions ...

If you have any kind of recent or chronic medical condition, you need travel insurance even more than the average traveler does. Whether its as simple as an inflamed knee or as serious as a cancer recurrence, a medical problem can ruin your vacation and cause you to lose all the money you spent unless you protect yourself with travel insurance.

But how can you find the best travel insurance for your pre-existing medical condition? And how do you know for sure that youre covered? Here are three things to look for when youre buying insurance.

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How Can You Get A Waiver For A Pre

You can generally get a pre-existing medical condition exclusion waiver only within 14 to 21 days of making an initial deposit for a trip and after insuring the full nonrefundable costs of a trip. So its really best to buy your travel insurance immediately after booking your trip, making sure the policy includes the exclusion waiver.

A pre-existing condition waiver might even take effect if a non-traveling member falls ill or dies and the insured traveler must cancel or cut short a trip.

If you meet various eligibility requirements, such as being medically stable to travel when your policy is purchased, the insurance company wont charge extra for a waiver. Most travel insurance policies dont impose an age limit.

Common claims tied to a pre-existing condition include emergency medical care, emergency medical evacuation, trip cancellation, trip interruption and travel delay.

Here are three possible scenarios where a pre-existing condition exclusion waiver could be used:

  • Pre-existing arthritis that brings a halt to your plans for Antarctic excursion
  • Mild heart attack suffered while exploring China after being diagnosed with coronary artery disease
  • Flare-up of pre-existing lupus while youre on a Caribbean cruise
  • Do I Need To Have Had All Of My Covid Jabs To Be Covered

    As long as youve had all of the Covid-19 vaccines youve been offered, you should be covered. If you havent been offered some doses yet or youre medically exempt then you can also be covered.

    If youve refused any doses of the vaccine or havent been able to have a dose youve been offered, you wont be covered.

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    How To Declare Your Pre

    When you get a quote for yourtravel insurance, youll be asked to provide information about your previous and current state of health. There are a few easy-to-answer questions that may then lead to a medical screening process where youll need to disclose pre-existing medical conditions including recurring illnesses or injuries, on-going or lifelong conditions, previous surgeries and any conditions you are currently suffering from.

    This information will then be used to determine any extra premium , or a medical-related exclusion.

    Its essential you declare all pre-existing medical conditions before you buy your policy. Unfortunately, we wont be able to cover you if you try to claim for something which is pre-existing that has not already been declared.

    View ourpolicy documentsfor more information.

    How Do I Get Cover For A Serious Pre

    Travel Insurance – Pre-existing Medical Conditions

    If you have a pre-existing medical condition, you can still use our site to get a quote. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

    Some insurers may not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If youre unable to find suitable cover, the Money and Pension Service has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

    You can find their directory of insurers on the Money and Pensions Service website or you can phone them on 0800 138 7777 for free impartial advice.

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    In The Past Two Years

    It is important to let us know if youve had any of the following or are awaiting:

    • Symptoms of a medical or psychological condition
    • Taken, been prescribed or awaiting surgery or treatment, including medication and procedures
    • Medical investigations or consultations
    • Non routine check-up and follow-up appointments

    If you need to make a health related claim, youll be asked for your medical record from the past two years, so its important that your travel insurance matches your history.

    Do You Understand Your Travel Insurance

    You may already know that you need to disclose some illnesses and injuries before taking out an insurance policy. But do you really understand the ins and outs?

    Medical Travel Compared asked one thousand people aged between 44 and 65 about the impact of pre-existing medical conditions when buying travel insurance, and the results showed how complicated the rules can be.

    Many people believe you only need to disclose illnesses if youre currently taking medication for them. Only one in five of the people surveyed understood the need to disclose any illness or disease diagnosed or treated within the past two years, even relatively minor ailments.

    And seven in ten didnt realise they needed to disclose any diagnosis of depression, however long in the past. Around the same number didnt know they had to disclose any diagnosis of cancer theyd ever suffered.

    And 68% incorrectly said they wouldnt disclose a mild heart attack if it was over 15 years ago.

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    What If My Health Changes After Buying Travel Insurance

    You could be forgiven for thinking that once you’ve taken out your insurance having declared any pre-existing medical conditions – subsequent changes in your health will be covered by your policy.

    Unfortunately, you can’t bank on this being the case. Many policies come with a clause often referred to as an ‘ongoing duty of disclosure’ which means you need to contact the insurer if your health does change.

    Your insurer will reassess the terms of your cover in light of this new information. It may decide not to change anything about your cover and premiums. However, it may also change the terms by which you’re covered , or decide it can’t cover you.

    In the last instance, you should be refunded for any premiums paid, and should also be able to make a cancellation claim if you have to rearrange or cancel your holiday because of the cancelled cover.

    How Travel Insurance Defines An Existing Medical Condition

    Travel insurance for pre

    You may think that a pre-existing condition means anything youre being treated for at the time you purchase your travel insurance. The definition is actually broader than that. Allianz Global Assistance defines a pre-existing medical condition as:

    An injury, illness, or medical condition that, within the 120 days prior to and including the purchase date of your policy:

  • Caused a person to seek medical examination, diagnosis, care, or treatment by a doctor
  • Presented symptoms or
  • Required a person to take medication prescribed by a doctor .
  • Its important to know that the illness, injury, or medical condition does not need to be formally diagnosed in order to be considered a pre-existing medical condition.

    Lets consider a few scenarios:

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    The Financial Conduct Authority In The Uk Has Released Information Relating To The Business Activities Of Travel Insurance Facilities Group Placing Restrictions On What Services The Business Can Offer

    • The firms regulated activities
    • All claims and complaints handled.

    TIF must retain these in a form and at a location within the UK, to be notified upon request to the FCA in writing, such that they can be provided to the FCA, or to a person named by the FCA, promptly upon its request.

    Limited travel insurance and claims services provided

    The latest update from the FCA states that requirements to which TIF is subject include:

    1. Unless permitted by 2 , TIF must not, without prior written consent of the FCA:

    • Carry on any services for, or on behalf of, an insurer in relation to claims handling or,
    • Enter into any agreement with any insurance undertaking or insurance intermediary, whether domiciled in the UK or overseas, to provide any outsourced services relating to claims handling and complaints handling on behalf of any such insurance undertaking or insurance intermediary.

    For the avoidance of doubt, continued the FCA, TIF must not carry on any insurance distribution activities in relation to any new Union Reiseversicherung AG or White Horse Insurance Ireland dac policies for any customer resident in the UK.

    Other requirements the company must follow are:

    2. For the purposes of 1, the Firm may undertake all necessary activities in relation to policies effected by the UK branch of URV prior to 8 July 2021 arranged by the firm where there are policyholders resident in the UK, including, but not limited to:

    How Do Travel Insurers Define A Pre

    Travel insurance companies normally exclude pre-existing conditions from coverage. These conditions rank among the most frequent reasons for denial of travel insurance claims.

    In the world of travel insurance, a pre-existing condition refers to an injury, illness or medical condition that prompted someone to seek treatment, experience symptoms or take medication before buying the travel insurance policy, according to travel insurance provider Allianz Travel.

    To determine what qualifies as a pre-existing condition, an insurer looks back 60 to 180 days before the day the policy was purchased, says Squaremouth, a travel insurance provider. If a traveler had any changes in their medical status during that period, such as a new diagnosis, a decline in health or the addition of new prescription medication, the condition will be considered pre-existing.

    Allianz Travel notes that you dont need an official diagnosis from a health care professional to have something designated a pre-existing condition for travel insurance purposes.

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