Travel insurance with medical conditions
Trying to find great-value travel insurance if you have a pre-existing medical condition can be a worry, so here are some handy hints to make sure you get the best cover to suit your needs.
Can I get travel insurance if I have a medical condition?
Yes, you can still get travel insurance even if you have a medical condition, although you might need to look for a specialist provider. That’s because having certain health issues could mean that you’re more likely to need medical treatment while you’re on holiday. Unlike in the UK, you’ll be expected to pay for any care you receive and even common procedures can cost thousands of pounds.
What is a pre-existing medical condition?
If you’ve consulted a doctor or healthcare professional about a health issue, or taken medication for it, then you should consider that to be a pre-existing medical condition. Even non-physical conditions, such as anxiety or depression, should be disclosed to your insurance provider.
For the purposes of travel insurance, pregnancy isn’t usually considered to be a medical condition and you don’t, in general, have to disclose this to your insurance provider. Your insurance should cover you if you have a pregnancy-related emergency abroad (providing you haven’t had any complications beforehand) and you’re less than 37 weeks pregnant or 33 weeks pregnant with twins. As this can vary among insurance providers, it’s advisable to check directly with your provider before you travel.
On what terms will an insurance provider approve my application?
Potential insurance providers will want to know about your medical history. They’ll ask for quite detailed information, so be prepared to answer specific questions about your health.
If you have a pre-existing medical condition, you’ll be asked how severe it is (or was when you last experienced symptoms and what medication you took.
It might seem intrusive, but this information helps insurance providers build up a picture of what the likelihood is of you needing medical aid while you’re on holiday. Once you’ve disclosed all the required information, an insurance provider may decide to:
- Offer cover on standard terms in spite of your condition
- Refuse to cover the pre-existing condition, but offer to insure you on standard terms for any new issues that may arise while on holiday
- Offer cover with other restrictions or special terms
- Offer cover with a higher excess
- Offer cover that includes the pre-existing condition, but increase the normal premium, perhaps by a significant amount
- Decline your application outright
If you can’t find an insurance provider, then it’s worth contacting a charity connected to your condition as they may be able to direct you to one that does.
Does it matter where I’m travelling to?
Where you’re travelling to could also impact on the price of your insurance. Most of North and Central America (including the United States); China and Hong Kong; and European countries such as Greece, Malta, Spain and Cyprus all have a high level of private health care, therefore it costs more to receive treatment. As a result, you might find it’s more expensive to get cover if you have a pre-existing medical condition and you’re visiting any of these countries.
Do I still need travel insurance if I have an EHIC and am going to Europe?
A European Health Insurance Card, or EHIC, is not a substitute for travel insurance. An EHIC will only provide you with the same state healthcare as the locals, it won’t pay for repatriation (getting you back home) and it won’t cover specialist treatment or stays in private hospitals.
How can I find a good deal on travel insurance?
Looking for travel insurance even with a medical condition is easy when you search with us. Just tell us a bit about yourself, where you’re off to and how long for, and we’ll do the rest.
We’ll show you a list of quotes in ascending price order, with policy highlights; if you want more details, then just click on the quote. When you’ve found the perfect match, just choose the option to buy – that’s all there is to it. So why not start a quote with us today.