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Excesses are often the very first thing that customers look at when buying an insurance policy. After the initial premium, this is the next sum of money that you will need to pay in the event of a claim.
Typically, the policy excess applies per person to all sections of cover, and we realise that in order to keep our policies so affordable for people with medical conditions, the excesses should also be reasonable too. There’s no point having a travel insurance policy that doesn’t cover you much past the excess in the event of a claim!
At Insurancewith, instead of hiking up the entire policy excess for any claim related to your declared medical condition, we simply have an additional medical excess that is sometimes set for your policy. This means that you will only ever be required to pay out more than £75 should there be an additional medical excess applied to your policy, and only ever applied should you need to claim on either the cancellation or emergency medical expenses sections due to your declared medical condition.
You can find out whether you have an additional medical excess by checking your policy schedule which is emailed to you upon purchase, or by enquiring with our customer service team.