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Medical Travel Insurance
It can be difficult to travel abroad with a medical condition and dependent on your health, you’ll likely need to consider transport, accommodation and in particular the region or climate you’ll be travelling to. With that said, why make securing insurance for your holiday more difficult than it needs to be?
Insurancewith was first created after founder, Fiona Macrae, was diagnosed with breast cancer in 2005. After treatment, Fiona was astonished at how difficult it was to find travel insurance for a holiday she desperately needed. Fiona knew there was an opportunity to help people get sensibly priced cover – whether they had a form of cancer or any another pre-existing medical condition.
As such, with Insurancewith you can take advantage of the following benefits:
- Award winning medical travel insurance
- Hundreds of medical conditions covered
- Bespoke medical screening
- 24/7 emergency medical helpline
- Discounts for couples, families and single parent families
- Kids go FREE on our family policies
- 14 day cooling off period
- And much more
Other insurance companies may pigeon-hole patients into a set bracket, depending on the medical condition. However, at Insurancewith we take each customer on a case-by-case basis. This means we’re able to offer fair and affordable premiums for everyone.
We regularly help patients with all manner of medical conditions, from potentially terminal illnesses such as cancer and heart disease, to the more manageable conditions including diabetes and asthma.
If you’re looking to arrange medical travel insurance, speak to Insurancewith today. We’d love to help you arrange the perfect cover, so get a quote online and find out how much you will save.
Medical Travel Insurance FAQs
You know travel insurance is a necessity to enjoy your holiday stress and hassle-free, but do you know all the facts? Take a look at some of our frequently asked questions, and don’t forget to get in touch if you have any other pressing issues or concerns.
Why do you need travel insurance?
It’s wise to arrange travel insurance whether you have a medical condition or not. This gives you the peace of mind that if something goes wrong, you won’t have to fork out thousands of pounds to cover excessive medical costs.
And it’s not just the medical expenses themselves which are covered. For instance, the cost of flights home and the cancellation of your hotel reservations are also taken into account. These prices can quickly escalate, so make sure you’re fully insured to avoid problems later down the line.
What is a medical screening and why do I need one?
Medical screenings are carried out by our team of trained professionals, to ensure you receive a personalised quote based on our own assessment. This can help you save quite a bit of money on the policy. You can fill out our online form, or carry out the screening over the phone if this would be easier.
Can I buy travel insurance online?
Yes, you can. You don’t have to call us if you don’t want to, and can complete the online form from the comfort of your own home. Simply answer the questions honestly and to the best of your knowledge – you can always speak to your GP or medical practice if necessary to get a little extra information.
Will I be covered for any pre-existing medical conditions?
At Insurancewith we try to accommodate to every medical condition and provide a personal quote based on your situation. In fact, our policies are created by people who have experienced the same conditions that we cover.
Of course, sometimes it’s a little more difficult to arrange cover, but we’ll do our best and work with you to ensure a policy that’s fair and accurately reflects your condition.
I already have travel insurance, but have since been diagnosed with a medical condition. What now?
If you decide to cancel the trip after being diagnosed with a new medical condition, you’ll need to provide evidence from your doctor stating you’re not fit to travel. You should then be covered under the cancellation clause of your contract.
However, if you decide to go ahead with the trip as planned, things do get a little more complicated. You should remember, we will not be able to pay any claims when anyone has travelled:
- Against the advice of a doctor
- If they know they’ll need treatment while on the holiday
- If their condition is terminal (unless it has been declared to us and we have accepted)
- If they are awaiting test results from the hospital
If you travel under any of the circumstances above, your insurance may become void if you need to make a claim.
Can I have a policy if I have a terminal condition?
Yes, Insurancewith will consider offering cover for any terminal condition. You will need to go through the online quote process or give us a call to allow us to assess your individual situation in order for us to provide you with a policy.
What happens if I cancel my trip due to bad health?
As we briefly mentioned above, if you can provide evidence from your doctor that you’re unfit to take a trip (and provided you are cancelling either because of an existing condition that you have told us about, or the onset of something that was sudden and unforeseen), you shouldn’t suffer financially. If you have proof, you’ll be covered for the cancellation and should receive most of the money back.
Why choose Insurancewith?
At Insurancewith, many of our policies are created by people with medical conditions they’ve found notoriously difficult to get cover for. As such, we’ve tried to address the issues they found when attempting to take out travel insurance.
We understand that travelling can be more stressful and overwhelming than usual for those with a medical condition. However, by planning ahead you can minimise the chance of things not going to plan.
- Consider your needs and requirements for every stage of the holiday – from before you go, to your journey, accommodation, medication, transport and journey home. You can then organise extra help and assistance if necessary.
- Always discuss any travel plans with your GP or consultant before you book, as they can advise you on treatment plans, emergencies and any vaccinations you might need.
- If you’re currently receiving treatment or have started taking a new medication before you leave, it’s worth speaking to your GP for clarification.
- Make sure you research the local medical facilities. Even though some countries may be visually beautiful, their medical facilities could leave a lot to be desired. Ensure there’s a hospital nearby and it’s able to deal with your condition should a serious emergency arise.
For more information on arranging travel insurance with a medical condition, get your quote today from the Insurancewith team. You can call us today on 0203 829 3875.
However, at Insurancewith we treat you as a individual and ask relevant questions to get an accurate assessment of your unique situation.