Redwood Travel Insurance
Potential travellers with medical conditions frequently pay more for their travel insurance. There are two main reasons:
Interestingly, far more is reimbursed to cover cancellation costs than medical expenses. Although when they occur the cost per medical expenses claim is substantially more, the frequency of cancellation claims means the total cost is higher.
The maximum benefit under travel insurance to cover expenses arising out of medical conditions is often promoted as an exceptional policy benefit. This is misleading. There hasn't been a claim for medical conditions exceeding £1,000,000 so quoting £5,000,000, £10,000,000 or £15,000,000 is irrelevant. £2,000,000 should be quite sufficient.
The requirement to disclose medical conditions does not fall solely on those intending travel. Near relatives whose sudden deterioration in health would warrant curtailment of the trip also need to be considered. This is a fact of which very few people are aware, unless through diligent reading of the insurance policy prior to purchase.
We do not recommend that medical conditions be hidden, nor that, given the option, cover be voluntarily refused. Medical screening is relatively sophisticated and by the evident nature of travel insurance, the costs possibly incurred due to needing treatment are overwhelming compared to the additional premiums quoted - everyone has cognisance of well-published cases in the press of people needing to sell their houses to pay for transportation home after a severe injury.
How do insurance companies deal with medical conditions? There are several options.
When medical conditions are considered, underwriters set parameters defining which can be covered and at what terms. Most companies will exclude travellers with a terminal illness - some extend cover if the traveller is expected to live 6 months or more from the return to the UK - or for medical holidays (travelling to obtain treatment abroad). One company that includes terminal illness's is GoodToGo Insurance which covers anyone of any age for up to three months.
Information about cheap holiday insurance for the over 65, 70, 75 or 80
Travelers over 65 but 85 or younger, with our without medical conditions can find cheap travel insurance through our Redwood product
Redwood travel insurance now provides full online screening for medical conditions.
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