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What is medical travel insurance?
Medical travel insurance is a type of travel insurance designed for people with pre-existing conditions. It will cover you for health problems that you've visited the doctor about or are having tests for.
A regular travel insurance policy without pre-existing condition cover, won't pay out for claims relating to health problems you already have.
How much medical cover should I get?
This depends on the pre-existing condition you have and the likelihood that you'll need treatment while you're away.
Most medical travel insurance quotes provide around £5m worth of cover, which is normally more than enough. If you have any doubts about your level of cover, contact your insurer.
How can I get cheaper travel insurance with a medical condition?
The best way to get a cheap medical travel insurance policy is to buy your policy with plenty of time left before you travel. You should also declare any medical conditions before buying, to avoid the risk of a claim being rejected in the future.
How long you’re away for, where you’re travelling and what activities you’re doing can also affect the cost of a policy.
Can you get travel insurance for pre-existing conditions?
Is pregnancy a pre-existing medical condition?
No, most insurers don’t consider pregnancy a pre-existing medical condition, so you don’t need to buy a medical travel policy to cover it.
You can still buy a travel insurance policy while pregnant which covers you for anything unexpected while on holiday.
Check the details of your chosen policy with the insurer in more detail before you buy.
Can you get medical only travel insurance?
What do I do if I’m refused a quote?
Unless it’s a particularly serious condition, it’s unlikely that you’ll be refused a quote. We work with a specialist panel of insurance companies who give quotes for many declared serious medical conditions.
If for any reason you do struggle to get a quote, the Money and Pensions Service (MaPS) offers a directory of insurers to help cover pre-existing conditions.
You can find out its directory of insurers by phoning them on 0800 138 7777 for free impartial advice.
Am I covered if I develop a condition after I buy my travel insurance policy?
If you develop a medical condition after you've bought your travel insurance but before you travel, you should contact your insurer and declare it to them. This may be referred to as your 'ongoing duty of disclosure' or a 'change in health'.
Your insurance company will be able to clarify whether you are covered.
Can I exclude a medical condition from my travel insurance?
If you don’t disclose a medical condition on your policy but then go on to try and claim, it’ll most likely be rejected by your insurer. You must disclose any medical conditions that you have before travelling, otherwise you run the risk of having to cover any medical bills yourself.
Can I travel if I have a terminal illness? Will I be covered?
Terminal illnesses are included in the pre-existing medical condition category, but you’ll still need to check with your insurer to see whether you’re covered. It’s also a good idea to get advice from your doctor before you decide to travel.
What is the difference between travel insurance and medical insurance?
How much travel medical insurance do I need for the USA?
If you’re travelling to the USA, it’s extremely important that you have adequate travel insurance in place. If you’re travelling to the USA and you have a pre-existing condition, it’s vital that you take out medical travel insurance.
Do travel insurance companies check medical records?
Insurers can only check your medical history after obtaining your permission. They could ask for this when you get a medical travel insurance quote. If you’ve given your permission, they may later ask for your GP to provide information on your medical history.
It’s important to declare any pre-existing medical conditions you may have when you get travel insurance quotes. Otherwise, you could find that your travel medical claims end up being refused.
Do I need medical insurance to travel to Europe?
What are the different types of travel insurance?
Business travel insurance
covers you for any business-related trips.
Cruise travel insurance
helps you compare policies tailored for those who love to go on cruises.
Family travel insurance
means you can get one policy that covers everyone, rather than buying individual policies.
Long stay travel insurance
is the perfect policy for those who plan to travel for an extended period.
Annual travel insurance
is the perfect option if you plan on traveling more than once a year.
Over 50's travel insurance
allows you to easily get a quote for travellers over the age of 50.
Pregnancy travel insurance
helps provide peace of mind for any unexpected problems while away.
Worldwide travel insurance
will cover you for travel to multiple locations around the world.
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