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Getting travel insurance when you have a pre-existing medical condition can sometimes be difficult and expensive, but it doesn’t have to be. We specialise in insuring a huge variety of medical conditions which allows our customers to enjoy their holidays worry-free.
We will consider any medical condition, so the list below isn’t exhaustive, so if you don’t see your required condition below, please know you can still get a quote. Just enter your condition when prompted during the online medical screening process, or alternatively contact our friendly and experienced customer care team on 02038 293 875 and they will be happy to go through the quote process with you.
Asthma – is a common condition, which can be easily controlled; however this does not mean that you should not declare it to your travel insurance provider.
Bladder Cancer – As with most types of cancer, the earlier bladder cancer is diagnosed, the easier and more successful the treatment will be in the long-term. Many sufferers carry on living full and active lives after their diagnosis, and this includes travelling abroad.
Bowel Cancer – Bowel Cancer (Colon and Rectum) is the third most commonly diagnosed Cancer in the United Kingdom affecting around 37,000 people every year. Bearing this in mind it’s a wonder why so many insurers misunderstand the condition and are reluctant to insure it at a reasonable cost, if at all.
Breast Cancer – Life with breast cancer is hard and adapting to normal life again can be a struggle. We have tried to make things easier by creating a specific breast cancer travel insurance policy which
Cancer – Receiving a cancer diagnosis is a terrible experience and your first reaction, naturally, can be one of shock and worry. However whilst, some cancers are not curable, most are treatable. Many people who have been diagnosed with an incurable cancer are
Chronic Obstructive Pulmonary Disease
Cystic Fibrosis – Living with Cystic Fibrosis is often extremely difficult and the simplest of task and activities can leave you feeling exhausted. This can be the case when trying to organise travel insurance
Deep Vein Thrombosis
Diabetes – There are currently around 2.8 million people in the UK who suffer from Diabetes and a possible further 1 million people who are not even aware they have it. However, even with this number of
Disability – Having a disability shouldn’t affect your holiday plans, however finding an affordable travel insurance policy that fully covers your conditions can be difficult, and understandably people are reluctant to go abroad without a disability travel insurance policy which fully covers their needs, especially if they are travelling outside the European Union.
Epilepsy – Having epilepsy shouldn’t mean that you can’t travel abroad, however you will need to plan in advance and ensure that you have a travel insurance policy with epilepsy cover that fully suits you needs.
High Blood Pressure – If you have ever been diagnosed with high blood pressure, also known as hypertension, you must declare this to your travel insurance provider. Many people do innocently forget to declare conditions such as high blood pressure because they are on preventive medication so they forget they have the condition.
High Cholesterol – Many people think that having a medical condition such as raised or high cholesterol will increase the cost of their travel insurance to an unaffordable level.
Kidney Cancer – Every day in the UK around 30 people find out that they have kidney cancer. Kidney cancer is the eighth most common form of cancer and there are around 7,400 newly diagnosed cases in the UK each year.
Lung Cancer – There is a lot of contradicting advice surrounding travelling with Lung Cancer, especially Air Travel with Lung Cancer. We understand that it can be difficult trying to arrange travel insurance if you have recently been diagnosed
Non Hodgkin Lymphoma – Non Hodgkin Lymphoma is the 5th most common cancer in males and the 7th most common cancer in females in the UK, approximately 10,900 people are diagnosed each year.The main types of treatment for non Hodgkin lymphoma are
Ovarian Cancer – Around 126 women in the UK are diagnosed with ovarian cancer every week, which is approximately 6500 new cases of ovarian cancer every year, ovarian cancer is the fourth most common cancer in women in the UK
Pancreatic Cancer – Cancer of the pancreas (also known as pancreatic cancer) is not a common cancer; around 7,800 people are diagnosed with it each year. It is however a severe form of Cancer as it often
Prostate Cancer – Prostate cancer is the most common cancer in men. Every year about 36,000 men are diagnosed with prostate cancer in the UK. It accounts for a quarter of all newly diagnosed cases of cancer in men. So with so many
Sickle Cell Anaemia
Skin Cancer – Skin cancer, both non-melanoma skin cancer and malignant melanoma together is the sixth most common cancer in the UK and if caught early enough it is very treatable and the outcome is good.
Stomach Cancer – Stomach cancer is now the 13th commonest cancer in adults in the UK. Stomach cancer is nearly twice as common in men as in women it’s rare in younger people and most people affected are over 55. Being diagnosed with cancer of the
Stroke – Having a stroke or transient ischaemic attack (mini stroke) can be life changing. However with rehabilitation many people can get back to leading a normal and independent life, which involves travelling abroad for holidays or work.
Testicular Cancer – Testicular Cancer is an uncommon Cancer, accounting for just 1% of all cancers found in men. It is most common in younger men aged 20-55years. If caught early testicular cancer can be completely cured with a survival rate of 95%
At Insurancewith, we have policies created by those who have suffered medical conditions which have been hard or impossible to insure, and have tried to address the issues they found when trying to purchase travel insurance. We understand that travelling with a medical condition can be more stressful and more overwhelming than usual. However, by planning ahead you can minimise any chances of things not going to plan. By planning every stage of you holiday, from before you go, to your journey, accommodation, your medication, transport and your journey home, you can consider your needs and organise anything extra where required.
It’s always a good idea to discuss any travel plans with your GP or consultant before you book anything 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 depart, it’s always a good idea to talk to your GP to make sure the new drug suits you well before you travel.
Make sure you research the medical facilities local to your destinations. Even though some country’s aesthetics might be impressive, their medical facilities could leave a lot to be desired. Check where the nearest public hospital is, as they are more prepared to deal with the serious emergency situations which might arise as opposed to the smaller, private clinics.
This is essential if you are travelling to anywhere within Europe. The old E111 card was replaced by the EHIC in 2006 and gives cover for medical healthcare expenses within Europe. In some countries, if you receive medical treatment it will either be free or partially subsidised. In the case that only a percentage of the costs of your treatment are covered, most companies will waive any medical expenses excess if you can prove you used your EHIC card.
Most people mistake the EHIC card as having the same properties as travel insurance. The cover under the EHIC card is for medical expenses online, and does not cover some costs you might incur.
The cover under this card is limited to the cost of medical treatment, and only at a public facility, to enable you to continue with your trip. However, Insurancewith travel insurance can offer you cover for things such as ambulance travel, repatriation and any more potentially expensive charges, so it’s important you carry both your EHIC card and your valid travel insurance documentation.