The importance of disclosing medical conditions
It is vital that pre-existing medical conditions are disclosed when buying
travel medical insurance. It is also important that you check that your travel insurance
policy covers your conditions. When you obtain a quote through our travel
insurance quotation system you will be provided with contact details of the appropriate screening
line - we also offer facilities for you to do the screening yourself and buy cover for all
but the most severe conditions.
Travellers with these pre-existing Conditions can be
covered on travel insurance
Premiums and acceptability for travel insurance depend on
many factors including the severity of the existing conditions, age of
travellers and length and destination of the proposed travel.
This is not an exhaustive list of medical conditions.
However we have provided quotations for customers suffering from one or
(frequently) more of these. Whether an individual can be covered will
depend on their particular circumstances.
No matter what medical conditions you may
have, our travel insurance policies may cover them on referral, - usually
at standard premiums. However our travel insurance underwriters may be unable to cover them. In that case we can offer a travel insurance for your
condition provided: a) You do not have a terminal prognosis in six
months b) you are not travelling against doctor's advice and c) you are
not travelling to obtain treatment for that condition.
our online Travel Insurance Quotation System
(medical conditions, over 85, annual, single trip,
winter sports etc)
If you want medical cover only.
Discounts are available on the travel
insurance if cover is not required for luggage or cancellation cover -
however we do not advise customers to take out one policy for some
benefits and our policy just to cover the medical conditions. It is
usually best to have a single policy.
If you want travel insurance for a single person in your party.
Many people are unaware that their own travel insurance policy may not cover
additional costs if someone else going with them falls ill! We always recommend travel
insurance be arranged to cover all members who are to travel together. Thus the travel
insurance company will protect everyone as they know about the condition.
A travel insurance policy to cover people with medical
conditions for up to 12 months is launched on April 1st 2012. Redwood travel insurance
covers single trips for people aged to 85 (and yes 365 days is available for an 85 year
old) and annual travel insurance up to 74 (90 days a trip). Quotes are available here
although medical screening is required.
Length of trips - long stays
Long stay travel insurance, usually defined as travel for
more than 30 days is available though this is for the
younger (i.e. under 70) traveller. Cover is usually similar to a normal, single trip, travel
insurance policy. However there is a variation: backpacker travel insurance, is suitable for students
in their gap year who really only need cover for medical expenses, loss of passport and
possibly some luggage cover. The premiums for this are very cheap due to the limited nature
of the benefits provided.
Although you are buying this product online, we would like to
emphasise that we are a broker and, as such, the policies we offer are substantially better
than those you will buy by going through a price comparison website. On those sites you will
find policies with excesses over £200 per person per claim (e.g. if you go with a
family and all your luggage is stolen then you could find that you have to pay £800 towards
the claim - £200 for you, £200 for your wife/ partner and similar amounts for the
children. The reduction of cover on these sites gives serious cause for concern as customers
won't realise the costs they have to pay themselves until they make a claim. Our excesses,
by the way, range from £25 to £100 in most cases and in many
cases you can delete them i.e. have no excess at all.