Main benefits, exclusions and excesses

If you would like to focus on enjoying your holiday then travel insurance for pre-existing conditions can help you. We’re here to help you find a policy which best suits your needs.

Read on for information on the main benefits and exclusions of our specialist travel insurance.

We have separate help articles for cancellation and 24h emergency medical support.

Do the policies include 24h emergency medical support?

All of our providers offer this facility. Full details can be found in the individual policy wordings. We will also send these details out to you via email and/or post when you buy your policy.

The below table is up to date as of 28th July 2017.

Are you covered to use private facilities abroad or only entitled to use state treatment?

For any policy, you will need to contact the Medical Emergency Assistance Service if you need in or out patient treatment – or as soon as you’re hospitalised. Private hospitals are not automatically excluded from cover, but some providers will not cover costs of private medical treatment unless they have specifically authorised it. It is always best to check your policy wording to understand exactly what your policy provider requires of you, to ensure your hospital bills will be covered in these circumstances.

Is dental care covered?

Most of our policies have an element of dental care cover, however as it varies by policy – and could depend on the level of cover you have opted for – simply complete our straightforward quote process. When you reach the end of the process you’ll be able to compare the levels of cover offered before you buy.

The levels of benefit and cover vary with each provider.

To find out specific cover levels, simply run through a quote using our straightforward quote process.

You can also compare providers here.

If you are taking part in certain activities, there may be limitations in the personal public liability cover, find out more.

The insurance provider will deduct the policy excess from a claim or collect the excess from the policyholder directly. It’s a good idea to check the policy excess on your documents so that you know exactly how much you would have to pay in the event of a claim.

Find out if you can change your excess here: Changing your excess.

Yes, all our insurance providers cover coach and driving trips.

All our policies will include a set of general exclusions as well as policy specific exclusions. If you have a specific area of concern, then we recommend you check the policy wording. The easiest way to do this is to run through our straightforward quote process. When you reach the end of the process you’ll be able to compare suitable providers and check all exclusions before you buy.

If you still need further help, please contact us through [lc].