Most mainstream travel insurance providers will either exclude cover for surgical procedures such as organ transplants or increase the premiums – sometimes to almost as much as the cost of the holiday.
At Insurancewith, we believe that you should be able to have the peace of mind of being covered by your travel insurance without having to pay a large additional cost just because you have had an organ transplant.
Our specialist travel insurance policies have been designed specifically for people travelling with a medical condition; we even include cover for lost or damaged medications and mobility equipment.
We pride ourselves on working closely with different charities to ensure that we are asking the right questions in order to accurately assess the individual’s medical situations so that you won’t have to pay anything other than the most cost-effective solution to your travel insurance needs.
All of our policies include the standard cover included in most travel insurance policies, along with:
We regularly offer cover for people who have had different types of transplant, such as:
As transplants are often needed as a result of another medical condition, our medical screening system allows us to consider full transplant cover at affordable premiums for people with any of the below:
At Insurancewith, policies are available to purchase either online or through our customer service team. Our customer service team are trained to deal with your call in a professional and sensitive manner, and should you have any questions they will be more than happy to help you.
You can currently cancel for FREE if you’ve only paid your trip deposit, meaning you don’t have to pay any excess if you’re only claiming for the cost of your holiday deposit*.
There are a series of benefits which come with taking out one of our policies. Some of the most helpful for you include:
Our common-sense approach to medical travel cover has been recognised by industry peers and customers alike. We want to make it easier for more people to travel. Many of those we’ve helped talk about how they’d almost given up with the idea of getting away. We understand that getting away and knowing you’re protected should something unexpected occur has a real impact.
*Zero Excess on Deposit-Only Claims – Terms & Conditions
This offer only extends to deposit-only claims. Should you need to claim for the full cost of your holiday, the excess applicable on your main policy will still apply.
Preparation is key: As with anything, the more planning involved, the less hassle and stress it causes in the long run. Make a list of everything you need to take with you, including any medication or equipment. Speak to your GP or specialist about any vaccinations you may need and whether they are suitable. Also, make sure you have more than enough medication to cover for any missed flights, delayed or lost luggage. Take a copy of your prescription with you incase you need to show security or a healthcare professional.
Choose the right destination: What might seem like the ideal holiday destination may not be the best for you or any medical condition you may have. Some immunosuppressant medications can make you sensitive to UV rays and more susceptible to catching illnesses if the tap water is not 100% safe to drink, so bear this in mind when you book. If you’re travelling across time zones, make sure that you keep track of when to take your medications.
Emergencies abroad: Knowing how to deal with emergency situations is important when going somewhere new – there’s nothing worse than finding yourself stuck in a scenario with a language barrier and unfamiliar surroundings. Make sure you research the medical facilities local to your destination, including the closest public hospital as these are usually better prepared for emergencies than smaller, private clinics. Make a note of your travel insurance policy number, and emergency assistance contact number in the event that you need to pay for medical treatment abroad.
Travel insurance: Purchasing travel insurance without a medical condition is easy enough, but it can be difficult to find the right provider if you have a medical history. Some insurers are not keen in insuring travellers with medical conditions due to the likelihood of claims in the future. Luckily, there are specialist companies like Insurancewith that insure people with medical conditions including cystic fibrosis, kidney disease and cardiomyopathy, often at no additional cost! You can get a quote here.