Why should I buy travel insurance with medical conditions?
With medical travel insurance you’re covered if you have medical conditions and wish to travel with peace of mind. Travel insurance with medical conditions covers you for medical emergencies while you’re on holiday, as well as cancellation costs before you leave. This is vital to prevent any unexpected medical bills or unnecessary complications on your trip.
If you choose our comprehensive travel medical insurance, you will be reassured that:
- You are covered for emergency medical care up to £15 million – including for your medical conditions and COVID-19
- 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 n illness or injury you have experienced symptoms, treatment, investigations, surgery, or medical appointments for within the last two years. These include diabetes, COPD, heart disease or cancer. 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.
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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 medical cover travel insurance calculated?
A number of factors are considered when calculating premiums. These include:
- the destination to which you are travelling (for example, Spain, the United States and Canada are among the more expensive countries in which to receive medical treatment)
- the duration of your trip
- the type and severity of your medical conditions
- your age and the level of benefits being offered to you
- 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.
What do I need to do about my 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?
In the event of a medical emergency the emergency medical assistance company will liaise with the hospital and medical professionals during your treatment and, if needed, will arrange for your return home. All our providers offer 24 hour medical emergency assistance.
Can I get travel insurance with pre-existing medical conditions?
Many travel insurance providers do not cover pre-existing conditions. AllClear can cover many conditions such as cancer, COPD, diabetes and stroke. We specialise in travel insurance for the over 50s with pre-existing medical conditions and can tailor cover to your needs.
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
- Check the expiry date on your EHIC card before you travel.
What 5 things do you need to know about healthcare at your destination?
A benefit 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?
On the Foreign & Commonwealth Office website you can find useful, country-specific advice on healthcare standards and general safety issues. You can find more country-specific information on the NHS Fit For Travel website too.
What is your ‘Before you Buy’ checklist?
We suggest you consider the following when looking for travel insurance:
- personal possessions cover
- the baggage cover limits
- whether you’ll carry a relatively large amount of foreign currency
- the personal property cover offered and specifically the cover limits for cash
- whether you will do any winter sports, for which additional premium will be required
- 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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