Coronavirus (Covid-19) - important information 5th January 2021
Following new restrictions announced on the 4th January 2021, you can only travel if you are legally permitted to do so. For further information please check The Foreign, Commonwealth and Development Office (FCDO).
Should you choose to travel against the FCDO advice, you will not be covered by any travel insurance policy you purchase.
Confused.com are not providing quotes for travel prior to 22nd February 2021. For trips from 22nd February, as it stands, we do not know if your travel date will still carry this FCDO restriction. If it remains in force when you are due to travel and you choose to travel, you will not be covered by any travel insurance you purchase. You will also not be covered if you have to cancel your trip.
For travel advice on your destination, you should check the FCDO for the latest information.
In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing.
We compare trusted travel insurance companies to find you the best deals.
When buying travel insurance, it’s important to tell your insurer if you have a pre-existing medical condition.
Depending on what the condition is, you may get a specialist policy that covers you for any related treatment while you’re on holiday.
You can find a policy that offers suitable cover by declaring your condition when you get a quote.
Some common conditions include:
- Respiratory conditions
- Heart, kidney, liver, circulatory or cerebral conditions
- Stroke or central nervous system disorders
- Cancerous conditions
- Terminal conditions
- Psychological conditions (diagnosed or treated)
Meanwhile, if you’re prescribed certain medication, you’ve recently received treatment, or had a consultation, then you may also have to declare this too.
If you choose to take out a standard policy without telling the insurer about an existing condition, and then go on to make a claim relating to this, your claim may be refused and the policy could become invalid.
- Medical expenses could be covered if you get ill or injured abroad
- Repatriation could also be covered if you are unable to travel on your pre-arranged transport, so you could be closer to your friends and family back in the UK
- With cancellation cover you could claim back your hotel and transportation costs if you are forced to cancel your trip
- Your luggage, personal possessions and money could also be covered if they are lost, stolen or damaged
- Most travel insurance policies offer a 24 hour helpline providing advice and support in an emergency
- Get travel insurance in advance, as you might not be able to get the full benefit of cancellation cover. In 2019, 26% of people bought travel insurance less than a week before going away and 32% bought it on the same day! (Confused.com data)
- It’s important that you declare any pre-existing or medical conditions that you or your travel party have or might have developed during the term of policy
- Read the terms and conditions of your policy in advance and take a look at the excess and policy exclusions to make sure you’re covered (most policies exclude alcohol and drug related incidents)
If you have a pre-existing medical condition, you can still get a quote through Confused.com. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.
Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.
You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.
Our service is free and compares a wide range of trusted household names. Confused.com is an intermediary and receives commission from theidol.com if you decide to buy through our website which is based on a percentage of the total annual premium. We pride ourselves on impartiality and independence – therefore we don't promote any one insurance provider over another.