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travel Insurance and Medical Conditions

For people with medical conditions needing travel insurance

We offer travel insurance for people with pre-existing medical conditions. Pre existing medical conditions, such as are heart attacks, diabetes, angina, high blood pressure etc affect the price and acceptability of travel insurance. This includes travel insurance since we have no age limits. Medical expenses is the cover most important under a policy since if you need medical care the costs can be very large. However premiums may be reduced if baggage cover or cancellation cover is not needed - saving 15% or 20% respectively.

The Redwood contract covers single trips for travellers and up to 85 (inclusive) and is exceptionally competitive for travel to the USA and Canada (as well as long stays). The product also offers annual travel insurance up to the age of 74 - up to 93 days a trip if required.

Travelers aged over 85 or 75 and over requiring annual travel insurance would do best by obtaining a quote through our travel insurance comparative quotation system. Medical conditions may have to be declared through a medical screening service.

The importance of disclosing information

It is vital that pre-existing medical conditions are disclosed when buying travel medical 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 we can cover

  • Angina 

  • Asthma & respiratory 

  • Arthritis

  • Cancer (general and breast cancer)

  • COPD

  • 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 75, annual, single trip, winter sports etc)

If you want travel insurance to cover medical tourism i.e. going abroad to obtain treatment then click here

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

A travel insurance policy to cover people with medical conditions for up to 12 months is launched on April 1st 2012. Redwood travel insurance covers single trips for people aged to 85 (and yes 365 days is available for an 85 year old) and annual travel insurance up to 74 (90 days a trip). Quotes are available here with immediate online screening for existing medical conditions.

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.

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travel insurance quote link Quotes for travel insurance for people with medical conditions.

For more information on travel medical insurance contact B. Portwood & Co Ltd. As insurance brokers have been in business advising customers on the relative merits of medical insurance policies for more than 50 years. We are always willing (if you call us on 0844 8262617) to discuss your requirements and find the most suitable cover we can obtain for your needs.