A guide to getting travel insurance with pre-existing medical conditions

If you have a pre-existing medical condition then you know it can be pretty difficult to find the right travel insurance policy.

We’ve put this guide together so you can learn more and be better informed about getting travel insurance when you have a pre-existing medical condition. For more information on travel insurance and to get a quote visit our travel insurance page here.

Travel Insurance

Why is it difficult to find travel insurance with a pre-existing medical condition and why is it more expensive?

Claims arising from medical problems and emergencies abroad are one of the biggest costs to travel insurance providers – with some insurers offering cover worth millions of pounds to pay for expensive hospital treatments, emergency repatriation (returning you home) and other travel expenses associated with suffering from a serious medical problem whilst away in a different country.

If you are travelling with a pre-existing medical condition then the risk of you making a health-based claim on your travel insurance is higher, so your premiums will be higher to reflect this risk.

Bob’s tip:  if you are currently suffering from a medical condition, or have had a serious illness in the past, you will need to disclose this to your insurer – otherwise your policy may not be valid when you need it the most: to make a claim.

What does a pre-existing medical policy cover?

If you have a pre-existing medical condition then you should be looking at obtaining comprehensive medical insurance to cover you whilst you are away. This will cover:

  • Medical expenses if you were to get ill or be injured during your holiday
  • Repatriation (returning you home) if you are unable to travel back on your pre-arranged transport
  • Travel expenses if you have to stay abroad for longer than you planned due to medical issues

When applying for a policy the insurer will ask a lot of questions about your illness that you may feel are personal and invasive – but it is important to answer these questions as honestly and fully as possible so that the insurance company can tailor the policy to suit you and your individual health needs.

Here at Bobatoo.co.uk we think travel insurance should be available to as many people as possible, which is why we work directly with an insurer who can offer you a competitively priced policy whatever your circumstances. To get a quote visit our travel insurance page now or contact us below.