Frequently Asked Questions

Standard or ordinary travel insurance is often not designed to cover someone who has a pre-existing medical condition. Always read your policy wording, especially sections marked 'Exclusions'. These will list situations where you are not covered by the insurance.

This is why it's important to be insured by a policy that you have confirmed will cover you for any claims related to your medical condition. These policies, like ours, will need to ask you questions about your condition(s) to be sure they can be covered.

Sometimes people think they don't have a medical condition because it's controlled by tablets. For example, someone might have been diagnosed with high blood pressure or cholesterol but because of the medication being taken, their blood pressure and cholesterol readings are normal. However, these are medical conditions that need to be declared because if medication stopped being taken, the blood pressure and cholesterol levels would probably change and potentially be a risk to health.

Rather than not declare something and risk it not being covered, we advise calling 0844 357 1315 and talking with one of our specialist staff. They will let you know if we need to make a note of it, to ensure that any claims related to the medical condition are covered by the policy.

Sometimes people think they don't have a medical condition because it's controlled by tablets. For example, someone might have been diagnosed with high blood pressure or cholesterol but because of the medication being taken, their blood pressure and cholesterol readings are normal. However, these are medical conditions that need to be declared because if medication stopped being taken, the blood pressure and cholesterol levels would probably change and potentially be a risk to health.

Rather than not declare something and risk it not being covered, we advise declaring all your conditions to ensure any claim directly or indirectly related to them is covered.

The quickest and easiest way is to go through the online screening process by clicking the button for our pre-existing medical condition insurance on the home page or any of our pages about medical conditions. Using the online screening service keeps down our costs and therefore premiums!

However, you can call us on 0330 606 1422.

All insurance boils down to calculating the level of risk that a claim will be made on a policy.

Claims are paid from the amount of money collected by premiums. Any insurance needs to ensure that the amount of money in the 'pot' of premiums collected is sufficient to pay all claims made.

The higher the risk of someone making a claim - for example, someone with a serious or unstable medical condition - the more money has to be available to meet those claims.

Sometimes an insurance company will charge very high premiums but will then be able to cover a higher level of risk. We try to keep our premiums on the lower side, so therefore have to place a limit on the types or seriousness of the medical conditions we're able to cover.

If something happens to you that is excluded by an ordinary travel insurance, you will not be able to make a claim for it.

If you have ordinary travel insurance, it is possible that the insurers will consider that even though it might not be 100% certain that the reason for you seeking medical attention is directly linked to your pre-existing condition, there might be a possibility that it is. This might mean that you would not be covered by the policy. This is where you fall into a 'grey area'.

The premiums for our insurance will depend on your individual circumstances.

Factors that influence the price include:

your age
what medical condition(s) you have
whether you want a policy for a single trip or an annual, multi-trip policy
where you're travelling to
your age
whether the policy is only for you or if it's including a partner/spouse/family

If you are travelling with others, they should seriously consider being covered by our policy, also.

This ensures that if we have agreed to include your medical condition, should you need to cancel, cut short or extend your trip because you need medical treatment, your travelling companions would be able to claim for losses they incur because of cancelling, cutting short or extending their trip.

No, we pay out many thousands of pounds in claims each year!

People suggest that insurers don't pay claims have often made a claim that simply isn't and was never intended to be covered by the policy.

This is why we send out a summary of cover, detailing extactly what is covered and the financial limit of cover. We also send out the full policy wording. This goes into details about what is and what isn't covered. No insurance is designed to cover absolutely everything. It's important that you read the policy wording to ensure it is meeting what you need and what you expect.

Furthermore, you have a 14 day cooling off period, which gives you the opportunity to check the details of our policy.