As travel insurance is mainly medical cover, patients with medical conditions must be careful when applying as they are often excluded. We can cover travelers who need travel insurance with medical conditions even if they have a terminal prognosis or awaiting treatment.
B. Portwood are specialists in travel insurance and have experience in providing cover for patients with medical conditions.
If you need travel insurance and have no medical conditions, our standard policies are cheap and provide good cover.
If travel insurance is required for minor medical conditions, we provide easy access to medical screening lines for the policies so that you can get confirmation that medical conditions can be covered.
For more serious medical conditions (strokes, heart complaints, angina etc) especially for the elderly, quotes are available with immediate underwriting and acceptance criteria and purchase online.
Travel Insurance when over 65?
If you are over 65 and have medical conditions we can still provide travel insurance - see our over 65 travel insurance page for more information or click one of the links below. We would recommend you call us on 01207 509446 as we have other products available not online and you can discuss your demands and needs for over 65 travel insurance.
Insurance for very serious medical conditions with a terminal prognosis
Below is an example medical declaration
The Declaration (Ageas Insurance Policy) - other travel insurance policies have different requirements.
For annual multi-trip travel insurance cover, if you have medical conditions, you must agree with this declaration each time you book a trip.
For a close relative or business associate, or anyone else who is not an insured person and whose health may affect the trip.
If at the time of taking out this travel insurance (or booking the trip if later) they had medical conditions for which they were:-
Cover will not be provided for any problem which has anything to do with those medical conditions.
How different travel insurance companies handle people with medical conditions.
Many online insurance companies will now not offer any terms at all. Analysing the likelihood of someone having to make a claim and working out what terms to apply is an expense and since most customers are solely interested in price, insurers feel that covering the small minority is not worth it. This speaks volumes about customer care.
There are two main methods of supplying information - a medical screening line and online screening. The medical screening line is a telephone number to the insurer or (more likely outsourced) which is fielded by trained personnel who will ask the appropriate questions and, based on the answers provided advise terms that would be applied to cover the traveller. Online screening, on the other hand, typically through Healix Software, allows the traveller to enter their own data and thus quote and buy online immediately. Both methods have advantages and disadvantages - the first method is labour intensive whereas the second, like all internet insurance, is open to abuse or mistake.
Terms offered are normally a) Normal terms - exactly the same cover and price as the main policy b) An additional premium - which can be 3 or 4 times the standard premium c) An additional excess - which means that the consumer has to pay more but only if they need to make a claim d) a combination of the two and e) declineature.
Customers have the option in many case of taking out the policy without cover for existing medical but our advice would be to ensure that the conditions are covered. The potential costs of having to pay a claim without the benefit of insurance are much greater than the cost of obtaining cover.
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