Travel insurance for those with pre-existing medical conditions
The price of a travel insurance policy is based on a number of factors but if you have pre existing medical conditions this could increase the risk and as a consequence we need to know about it.
However our approach we feel is better than most because were only interested in you declaring serious medical conditions which could cause you to cancel a holiday pre departure or require you to make a hospital visit abroad. We define serious conditions as conditions that have occurred in the 24 months and include such things as lung conditions (not mild asthma controlled by no more than two medications including inhalers), heart conditions(including angina) or cancer.
If you have been seen by a specialist clinic or hospital in the last 24 months for tests, treatments or investigations then will need to chat to you as well.
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As a company we use a number of insurers and they each have different approaches to medical screening. In the main their approaches have improved and we have amongst our stable of product, insurers who will cover in excess of a 1,000 medical conditions.
Our approach has always been to offer the traveller the choice when it comes to travel insurance. Following a simple quote stage where we determine your needs, the policy options are laid out on screen in such a way that you can easily see what is covered and more importantly whats not covered under each policy.
Customers who are interested in the most cost effective options have the ability to further reduce the policy prices by by removing elements such as baggage and cancellation cover and increasing the excesses.
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Did you know that?
Stable and well controlled conditions such as High blood pressure and Diabetes are covered as standard provided you dont have more than 2 reviews a year and your medication has not increased in the last 3 months. (1)
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However if you have stable and well controlled conditions such as high blood pressure, cholesterol, diabetes, etc. then we will normally cover you as standard provided you have not had your medicine changed in the last three months and you dont require more than 2 routine medical check ups/ reviews a year.
Remember it is vital that we know about these conditions as they may affect a claim so if you have any questions then please call us on 0843 4590876 where our team are available 7 days a week to provide help.
The fine print
Medical coverage and pre-existing conditions
Limits and exclusions
(1) Cover limited to the Voyager Standard, Prime and Black single trip and annual multi trip travel insurance policies.