Travel Insurance for people with medical conditions

Help for people needing travel insurance

We offer travel insurance for people with pre existing medical conditions. Medical expenses is the cover most important under a policy as if you need medical care the costs can be very large. Some people want medical expenses only cover - the savings are great - we give up to 50% discount if medical is all the cover you need.

The importance of disclosing information

As mentioned it is vital that pre-existing medical conditions are disclosed when buying travel insurance. It is also important that you check that your travel insurance policy covers your conditions. When you obtain a quote through our travel insurance quotation system you will be provided with contact details of the appropriate screening line.

Examples of pre-existing Conditions

Angina
Asthma & respiratory
Arthritis
Cancer (general and breast cancer)
Depression, anxiety and stress disorders
Diabetes / Diabetic
Disabled conditions / disabilities
Epilepsy / epileptic medical conditions
Heart Bypass
Heart attack
High blood pressure
High cholesterol
Hypertension
Stroke
High risk

No matter what medical conditions you may have, our travel insurance policies may cover them on referral, - usually at standard premiums. However our travel insurance underwriters may be unable to cover them. In that case we can offer a travel insurance for your condition provided: a) You do not have a terminal prognosis in six months b) you are not travelling against doctor's advice and c) you are not travelling to obtain treatment for that condition.

To our online Travel Insurance Quotation System
(medical conditions, over 65, annual, single trip, winter sports etc)

Alternative travel insurance scheme for medical conditions - serious conditions, medical tourism and terminal conditions

If you want medical cover only.

If you are only interested in obtaining a quote for travel insurance to cover ONLY treatment then you will be pleased to know that we offer discounts of up to 50% through our quotation system.

If you want travel insurance for a single person in your party.

Many people are unaware that their own travel insurance policy may not cover additional costs if someone else going with them falls ill! We always recommend travel insurance be arranged to cover all members who are to travel together. Thus the travel insurance company will protect everyone as they know about the condition.

Age limits

We specialise in travel insurance for over 65, over 70, 75,80 oap's senior citizens and the elderly or even older. Travel insurance cover is available for people of all ages (to 99) for travel up to one year. In many cases a normal travel insurance policy will provide cover for existing illnesses on referral.

We have now provided travel insurance to cover very serious conditions. This travel insurance will cover virtually any illness or disease providing that you do not have a terminal prognosis in the next six months.

Length of trips

Long stay travel insurance, usually defined as travel for more than 30 days is available though this is for the younger (i.e. under 70) traveller. Cover is usually similar to a normal, single trip, travel insurance policy. However there is a variation: backpacker travel insurance, is suitable for students in their gap year who really only need cover for medical expenses, loss of passport and possibly some luggage cover. The premiums for this are very cheap due to the limited nature of the benefits provided.

Internet policies

Although you are buying this product online, we would like to emphasise that we are a broker and, as such, the policies we offer are substantially better than those you will buy by going through a price comparison website. On those sites you will find policies with excesses over £200 per person per claim (e.g. if you go with a family and all your luggage is stolen then you could find that you have to pay £800 towards the claim - £200 for you, £200 for your wife/ partner and similar amounts for the children. The reduction of cover on these sites gives serious cause for concern as customers won't realise the costs they have to pay themselves until they make a claim. Our excesses, by the way, range from £35 to £65 in most cases, with limits on a family claim and in many cases you can delete them i.e. have no excess at all.

Back to our main cheap travel insurance page