Advice on buying travel insurance if you have a medical condition
Where can I find a travel insurance provider who will cover me?
The thought of finding travel insurance when you have a medical condition can be a daunting one, but you’d be surprised at just how many options you have. In fact, providers like Insurancewith specialise in offering bespoke travel cover to those with medical conditions like diabetes, asthma and heart disease.
Finding your provider
The best place to start is by speaking to or visiting the website of a charity that supports people with your medical condition – it may be one that you’ve had contact with before. They should be able to offer advice, and may even have recommendations as to which provider is best.
A quick internet search might help too. There will likely be forums full of people who have been in similar situations – they could offer advice and suggestions.
What medical information do I need to provide?
You’ll need to give your insurance provider details of your condition, and the more information you can offer, the better. We advise that you tell them everything so they can decide what is and isn’t relevant – you won’t necessarily be charged more, it just means you’ll have the right level of cover should anything happen. Holding details back could cause the policy to be void when you need it most.
Why do I need a specialist policy?
Having a specialist travel insurance policy can make a world of difference if you have a medical condition, especially in an emergency situation. With the right knowledge and a wealth of experience, a good provider will be able to offer invaluable help in a foreign country, assisting with things like translation and the transferring of important medical records.
They can speak to your treating doctor in the UK and liaise with the doctors in the foreign hospital, ensuring you have the appropriate treatment when you need it most. Arranging such care without the help and support of a trusted insurer could be both difficult and costly.
What about insurance for other people in my party?
We would always recommend that your whole travelling party is included on the same policy, so if something does happen that causes you to cancel the whole trip, nobody is left battling with their provider for a pay-out. If everyone’s together, you should all be protected, even if the medical condition only affects one person.
When you’re looking for travel insurance, it’s important to remember that it’s not all about having millions of pounds worth of medical cover; your priority should be the level of support you receive from your provider. This is especially true if you have a medical condition, as this can make problems more complex.
Be sure to do your research and choose carefully – knowing you did will provide invaluable peace of mind on your upcoming trip.