Become travel aware with our guide on buying the right travel insurance for you and effectively safeguard your health abroad.
There is nothing better than booking your next adventure; whether you’re hitting the slopes, taking in the cultural insights on a cruise or soaking up some rays on a beach holiday.
When deciding on where to go, finding the right travel insurance for you and your journey should be high on the to do list before booking.
When choosing your travel destination, if you’ve suffered from a serious or recurring medical condition in the past and require specialist cover which includes a pre-existing medical condition, we would suggest obtaining a bespoke quote before booking to ensure that the right cover is available and to allow you to plan within your budget.
Going to certain countries can increase the cost of the insurance premium significantly so we want to be able to inform holiday makers with a pre-existing medical condition who might be vulnerable to high costs to consider this before they make a booking.
There is often a common uncertainty in regards to what people need to tell their insurer about their health. The short answer is: the whole truth. Most companies require disclosure of any cardiovascular, circulatory or respiratory condition and about cancer that has ever been diagnosed.
Prescribed medication and all past or current conditions that have required consultation, investigation or follow-up in the last two years are also taken into account. If treatment is required on holiday for any pre-existing condition that has not been declared, you will not be covered and it could invalidate your whole policy - and prices for medical care can be extremely high:
- Having a stroke in the USA could lead to medical costs exceeding £760,000*
- Breaking your arm in Spain could result in costs of £11,000*
- Suffering a head injury requiring repatriation to the UK in destinations such as Dubai and Abu Dhabi could lead to costs of £50,000.*
Insurance Choice are specialists in arranging travel insurance for those with pre-existing medical conditions. Unlike the vast majority of travel insurance brokers, we can secure cover to include over 250 conditions without medical screening and are also able to arrange cover for customers awaiting treatment or suffering with an undiagnosed disorder. Benefits with policies arranged by us can include Unlimited Emergency Medical Cover (including Repatriation), Increased Cancellation up to £100,000 and no upper age limits (benefits vary by product).
Let us be your Insurance Choice!
* The example costs listed are based on real customer claims data, provided by insurers Allianz, LV, Aviva and Just Travel Cover, and comparison service GoCompare. The full article can be viewed here.