Purchasing travel insurance is a must for anyone who intends to go on holiday, but if you have a pre-existing medical condition, doing so can be both expensive and difficult. Going on holiday is exciting; you shouldn’t have to worry about filling out form after form and getting stuck with a policy that doesn’t actually provide you with all the cover you need. Luckily, it’s not all doom and gloom.
In order to get insured for your holiday with relative ease, it’s best to purchase from a specialist insurer, such as Insurancewith. We provide cover to holidaymakers with a variety of medical conditions, including cancer, cystic fibrosis, diabetes, and more. Although the premiums will always be higher when compared with standard travel insurance, purchasing cover through a specialist will be cheaper than buying the same product through a non-specialist insurer. Not to mention the process will be easier!
Tips for applying for specialist travel insurance
Be honest: One of the most important things to remember is to always be honest about your condition. Lying on your application form, or not being totally accurate, can have serious consequences later down the line, especially if you have to make a claim.
To make sure you’re completely covered, include as much detail about your current condition(s) as possible – even information you think is unimportant. For example, just because you take medication to lower your blood pressure doesn’t mean you shouldn’t mention the fact you have high blood pressure. The insurer will decide what’s important, and what isn’t.
Shop around, but don’t just depend on comparison sites: Whilst they can be handy at times, comparison sites aren’t great for researching the cost of specialist travel insurance. Every traveller and every condition is different, so you won’t be able to receive an accurate quote from a comparison website, nor will you get a complete picture of all the different products available to you. Not all insurers are on comparison sites!
If you’re having trouble finding insurers that will cover your condition, try getting in contact with a relevant organisation or charity, as they may have a list of providers.
Pay attention to the policy’s inclusions and exclusions: The cheapest policy isn’t always the best, so it’s vital to check its features and exclusions. It’s better to pay a little extra and have insurance that covers every eventuality, rather than purchase a cheap policy and discover you can’t make a claim later down the line.
No matter where you’re going or what you’re doing, you must purchase travel insurance every time you go away. It gives you financial protection against circumstances you can’t predict, such as illness, emergency evacuation, theft and loss, accidents, injuries and much more. Even if you are suffering from a debilitating condition and are finding it difficult to obtain cover, you shouldn’t let that discourage you from purchasing the right travel insurance.
We provide cover for a whole range of different medical conditions. To receive a quote (with an additional 15 per cent off), simply fill out our online form. If you have any questions, please get in touch. We’ll be more than happy to help.
Posted on: Apr 23, 2014