Why should I travel with specialist insurance for pre-existing conditions?
It’s vital to travel with comprehensive medical travel insurance to ensure that your pre-existing medical condition is covered at all stages of the trip. Emergency medical treatment abroad can cost a lot and sometimes a pre-existing medical condition means you may have to reschedule or cancel, AllClear can help cover you for both of these events. A recent survey found that 22% of travellers require medical assistance when abroad, and the risk can increase further for those with a pre-existing medical condition.
If you choose our comprehensive travel medical insurance, you will be reassured that:
You are covered for emergency medical care related to your medical condition or illness (up to £15 million)
You will have access to 24-hour medical emergency assistance
You’ll be covered in almost every country in the world
You can claim for lost baggage (normally up to £3K)
You can claim if you need to cancel your holiday because of your medical condition (normally up to £5K)
You can claim for hospital inconvenience benefits when you’re treated abroad as an in-patient
WITHOUT comprehensive medical travel insurance:
You could be liable for very large health costs. Claims for emergency medical assistance in some areas of Europe can exceed £250,000.
You’ll have to pay for transport home in case of an emergency. For an air ambulance from USA, for example, would cost you £80K to £100K.
You won’t be covered for other problems you may have while travelling – including lost luggage and cutting short your trip (curtailment).
What’s a pre-existing medical condition?
A pre-existing medical condition is defined as a condition that you have experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years.
It’s essential that you declare any pre-existing conditions when taking out a policy, so you get the best cover for you. Declaring all pre-existing conditions on your policy can help to avoid unwanted medical bills should you require treatment when abroad.
Any condition for which you have received treatment, including:
– Respiratory problems (relating to the lungs or breathing),
– Any heart, kidney, liver, circulatory or brain disease, or damage,
– Major psychological or mental health problems, including anxiety and depression,
– Strokes or central nervous system disorders,
– Malignant lesion (cancerous),
– Terminal illnesses.
Any medical condition for which you have undergone surgery, in or out-patient treatment, tests or investigations in a hospital, clinic or GP surgery within the last 5 years.
Any condition for which you have been prescribed medication in the last 5 years.
You can choose to report your pre-existing medical condition to us through our health screening process online or over the phone, whichever you prefer. The screening process is a set of simple questions that allow us to determine the likelihood of you needing medical assistance while abroad and the potential associated costs.
Why Choose AllClear Travel?
It’s frustrating visiting website after website or phoning multiple insurers.
But with our user friendly website, you only have to submit your details once to get reasonably priced quotes from several specialist providers.
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What is Covered?
Before you take out a policy with us, it’s worth thinking about any optional extras that you might want.
Please note, not all Optional Extras are available on all products.
Also, you can buy Cruise Travel Insurance products. This provides additional cover for your Cruise holiday.
This includes cruise specific cover such as Missed port departure, cabin confinement, unused excursions and cruise interruption.
Why More Than 3 Million People Have Chosen AllClear
Frequently Asked Questions
How is the cost of your medical cover travel insurance is calculated?
Quote premiums may vary by provider because they may offer different levels of cover, excesses and upgrades.
What is the medical screening process?
The medical screening process is a sequence of questions relating to your medical condition(s) that you’re required to answer for your travel insurance quote.
You’ll be required to complete the medical screening process when obtaining a quote via our website or over the telephone when purchasing via our contact centres.
How to make sure you are ‘Fit to travel’?
You don’t need to provide us with a certificate from your doctor, but you will need to confirm you’re fit to travel at the time of getting a quote or purchasing a policy.
If you need to make a claim, you may require a letter from your doctor confirming that you were fit to travel at the time you purchased your policy, and the date when you were declared unfit to travel.
Travel insurance and the EHIC
With the European Health Insurance Card (EHIC) you will receive treatment in any of the EU’s 28 states as a local citizen. However, this is based on treatments received in public, not private hospitals.
The EHIC isn’t a substitute for travel insurance. It doesn’t cover you for:
The costs of rescue and repatriation (an air ambulance from Spain back to the UK costs upwards of £10,000).
Lost or stolen property such as passports, baggage or precious items.
Losses from trip cancellation, curtailment and interruption.
Extra travel and accommodation costs due to illness.
Any medical coverage outside of the EU.
What do you need to do about your prescription medication?
We suggest you carry extra supplies in case you are delayed abroad. Subject to airline restrictions, ideally carry your medication in your hand luggage and not in checked-in bags.
Also, it’s useful to travel with a copy of your prescription and/or the names of your medications. Always check that your medications are not prohibited in the destination to which you are travelling.
What is Medical Emergency Assistance?
What 5 things do you need to know about healthcare at your destination?
One of the benefits of comprehensive travel insurance is the peace of mind that should the unthinkable happen, your medical treatment will be taken care of.
However, the quality of care is only as good as the medical infrastructure of the country you are visiting.
This in many cases can present a challenge. There are huge variations in the level of healthcare offered around the world which you may wish to consider when planning your trip.
Consider the following:
What is the availability and affordability of private healthcare?
Does the country offer a free healthcare system?
Is English widely spoken in hospitals?
Are there any specific health risks or diseases associated with the destination? If so, what vaccinations are required?
Travelling to a rural area? Where is the nearest hospital?
What is your ‘Before you Buy’ checklist?
Check the limits.
Check the personal property cover offered and specifically cover limits for cash.
If you are taking part in winter sports make sure you have paid the additional premium to ensure you are covered.
Check the cancellation cover is sufficient to cover the cost of your holiday. Remember you may also be required to pay an excess in the event of you having to cancel your trip and make a claim.
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