Finding affordable travel insurance for pre-existing medical conditions in the UK can be tricky, but it’s definitely possible. Many standard travel insurance policies exclude coverage for pre-existing conditions, but there are specialist insurers that can provide coverage. Here are some practical steps to help you secure affordable travel insurance while managing a pre-existing condition:
1. Declare All Pre-Existing Conditions
- Full Disclosure: Always disclose your medical history and pre-existing conditions accurately when applying for travel insurance. Failing to do so could result in a claim being denied.
- Understanding “Pre-Existing Conditions”: These are any health conditions you have received treatment for or that you’ve been diagnosed with before purchasing travel insurance. This may include chronic conditions like diabetes, asthma, or heart problems, and conditions that have been treated recently.
2. Shop Around for Specialist Providers
- Specialist Travel Insurers: Some insurers specialize in providing cover for people with pre-existing medical conditions. Providers like Staysure, AllClear, Insurefor, or Aviva may offer policies specifically tailored for those with medical needs.
- Comparison Websites: Use comparison websites such as MoneySuperMarket, GoCompare, or Compare the Market to compare different policies, including those that cover pre-existing conditions. Filter the results by selecting the option to cover medical conditions.
3. Choose the Right Level of Coverage
- Basic vs. Comprehensive Coverage: While basic travel insurance might exclude pre-existing conditions, many insurers offer different levels of cover, including those with additional medical protection. Select a level of coverage based on your health needs and risk tolerance.
- Consider Emergency Medical Cover: Ensure that the policy includes adequate emergency medical cover for pre-existing conditions, especially if your condition is chronic or could worsen while abroad.
4. Consider the Impact of Your Condition on Travel
- Severity of Condition: The more serious or complex your pre-existing condition is, the more expensive your policy may be. However, if your condition is well-managed and stable, it may not result in a significant premium increase.
- Travel Activities: If you plan to engage in activities that could worsen your condition (e.g., hiking, skiing, scuba diving), ensure the policy includes coverage for such activities or that you have the right medical coverage.
5. Look for Policies with Medical Screening
- Medical Screening: Many insurers provide an online screening process that will assess the risk associated with your pre-existing conditions. The screening will help determine whether they will cover the condition and the level of coverage available.
- No Extra Premium: In some cases, insurance providers will cover pre-existing conditions at no extra charge if your condition is well-managed and has been stable for a certain period of time. However, some insurers may charge a higher premium for added coverage, depending on the condition.
6. Consider Travel Insurance with a High Excess
- Higher Excess Option: A higher excess (the amount you would pay before the insurance company covers the rest of the claim) may reduce your premiums. This can make the policy more affordable but ensure the excess is manageable for you in case of a medical emergency.
7. Check for Free Medical Emergency Coverage
- Free Coverage for Some Conditions: Some policies provide free coverage for less serious pre-existing conditions, such as well-managed asthma or controlled high blood pressure. Always check the fine print of the policy to see if your specific condition is covered.
- Government-Funded Insurance Options: If you have certain chronic conditions and are traveling to the European Economic Area (EEA), you might be eligible for the European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC). These cards provide some medical cover for emergencies, but they are not a substitute for travel insurance, as they don’t cover everything.
8. Look for “No Age Limit” Policies
- Older Travelers with Pre-Existing Conditions: If you’re older and have pre-existing conditions, some insurers may apply age-related exclusions or higher premiums. Look for policies that offer coverage regardless of age or those that specialize in covering older travelers with medical conditions.
9. Read the Policy Carefully
- Exclusions and Limitations: Before purchasing travel insurance, read the terms and conditions carefully to ensure that pre-existing conditions are properly covered. Pay close attention to exclusions or conditions related to medical coverage for pre-existing conditions, such as whether coverage extends to specific treatments or medications while abroad.
- Know the Claims Process: Understand the steps involved in making a claim, including how to get in touch with the insurer while abroad if you need medical assistance.
10. Consider Annual Multi-Trip Insurance
- Long-Term Coverage: If you travel frequently and have a pre-existing condition, an annual multi-trip policy may be more affordable than buying a separate policy for each trip. Annual policies are designed to cover multiple trips throughout the year and may offer discounts compared to buying individual policies.
11. Use a Broker if Necessary
- Insurance Brokers: If you’re struggling to find affordable travel insurance, using a broker who specializes in policies for people with pre-existing conditions can help. They may have access to niche insurers or can help tailor coverage to your specific needs.
12. Maintain a Healthy Lifestyle
- Stable Health Improves Premiums: If your pre-existing condition is under control and you follow a healthy lifestyle, it may help keep premiums lower. Maintaining a healthy weight, exercising regularly, and following your doctor’s advice can demonstrate that your condition is stable and managed.
By following these steps, you can increase your chances of finding affordable travel insurance that adequately covers your pre-existing conditions, ensuring peace of mind while traveling abroad. Always remember that the cheapest option may not always provide the most comprehensive coverage, so weigh the costs against the coverage offered.
