We ve had requests for information about Travel Insurance from some of our members. This advice site has proved useful to some, but please be aware we don’t endorse any of the information, merely offer it as a starting point for your own research.
Liz Teevan (Support Volunteer)
travel insurance advice from http://www.moneysavingexpert.com/insurance/pre-existing-travel-insurance?utm_source=MSE_Newsletter&utm_medium=email&utm_term=07-Jun-16-v3&utm_campaign=nt-hiya&utm_content=12.
Cover for pre-existing conditions
Whether you’re travelling in Europe or further afield, with your family or on your own, follow the steps below to find the right cover at the right price. These steps apply for single and annual policies and if you have severe medical conditions, a single policy may be the most affordable option.
Some conditions are more difficult to cover than others, so consider your needs carefully. If you have, or have had, mild asthma or high-blood pressure you may still be able to get cover via our main travel insurance guide.
Remember that you must tell your insurer about your condition – even if you don’t deem it particularly serious.
More serious conditions, such as certain heart conditions or cancer, are likely to need specialist cover.
A number of comparison sites will help you find quotes. Medical Travel Compared, Just Travel Cover and All Clear Travel are all good starting points and will help you find specialist providers for your conditions.
As an alternative, if you have a free EHIC card – which means you can use an EU state run hospital for the same price as a local – then EHIC plus* may be useful. It covers most pre-existing conditions, if you’ve used an EHIC card, and also gives you all the other usual things travel insurance covers such as delays, baggage and cancellation. Remember – it’s not Government-backed, the underwriter is Mapfre Insurance.
There are a number of insurers which specialise in giving policies to those with pre-existing medical conditions which aren’t listed on comparison sites – but there are no hard or fast rules so get quotes from as many as you can.
Staysure* accepts an extensive range of medical conditions, and some at no extra cost. Others to add to the list are Protect Your Bubble*, Insurancewith, Avanti*, MIA Online, Orbis, Good to Go Insurance and Global Travel Insurance*.
If you’re still unable to find cover, speak to a specialist broker who should be able to help you. Try the British Insurance Brokers’ Association Broker Helpline.
What to do in the worst case scenario
If cover is still unaffordable, the price may drop considerably if you ask insurers to exclude some, or all, of your pre-existing conditions. Overall, it is a judgement call on the risks of travelling with limited cover.