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Q&A: Travel insurance for Pre-Existing Medical Conditions

Purchasing the right travel insurance can be confusing. Especially if you have a pre-existing medical condition or are of a certain age. Some policies may not cover you for your needs or they may exclude you due to a medical condition.

We’ve assembled a list of common Questions and Answers to help you when shopping for travel insurance.

Why do I need Travel Insurance?

Travel insurance can cover you for a wide range of incidents when you’re travelling.

This type of cover may normally include features such as:

  • Cancellations
  • Cutting your holiday short
  • Travel delay
  • Lost baggage
  • Medical expenses

Did you know that cancellation cover is active as soon as you take out your policy? This means your holiday is protected straight away for any unforeseen events.

To read about our policies and to find out what we’ll cover, visit our main travel page.

I have a Pre-Existing Medical Condition; can I get Travel Insurance?

There are some policies available to the market which offer cover for pre-existing conditions. With over 1300 pre-existing medical conditions covered by our policies with our partner All Clear, there is a good chance that you’ll be insurable. Find out more on our Travel page [link]

Do I need emergency medical cover?

Where the UK has a National Health Service, many other countries do not, or this isn’t always offered to visitors.

It’s a good idea to consider getting emergency medical cover. We recommend contacting your travel provider and doing your own research on the countries you visit before shopping around.

The UK Government website has some basic advice on most countries around the world

If you are a UK citizen, you can apply for a GHIC which will provide basic protection in some countries, but this shouldn’t replace your own insurance cover.

What is the GHIC (Global Health Insurance Card)?

From early 2021, the Global Heath Insurance Card, GHIC for short – is accepted in all European Union countries and Switzerland. It’s worth noting that the card is not accepted in Iceland, Liechtenstein and Norway.

Adults and Children can claim their free card. The purpose is to enable you to get state healthcare in applicable countries, either at a reduced cost or to the same levels as a resident of that country. Cover can vary per destination, so it’s worth doing your own research on the countries you visit before finalising your plans.

Do I still need emergency medical cover included in my travel insurance if I have a GHIC?

If you’re travelling to a GHIC qualifying country, it’s easy to assume that it’s not important to have any medical cover. The GHIC only covers you for state treatment that’s provided by the country. However, you may find that the country you visit charges for certain medical care.

You will also need to consider any costs associated with getting home if you’re too unwell to stay in the country.

Am I too old for Travel Insurance?

There is no upper age limit on the travel policies we offer. This means that you can get a quote and purchase a policy no matter your age.

Get a travel insurance quote today!

To find out more about our Travel Insurance for Pre-Existing Medical Conditions, visit our main Travel Page for more information.

For help, speak
to one of our team
call 0333 331 3770

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