A Guide to Travel Insurance for People with Pre-Existing Conditions and Serious Illnesses

Benefits of Buying Travel Insurance for People with Pre-Existing Conditions or Serious Illnesses

For travellers with pre-existing conditions, standard travel insurance policies may not provide adequate coverage. However, specialised policies can offer crucial benefits:

1. Medical Coverage: These policies can cover the cost of emergency medical treatment related to your pre-existing condition while abroad.

2. Trip Cancellation Protection: If your condition worsens before your trip, you may be eligible for reimbursement of non-refundable expenses.

3. Emergency Medical Evacuation: Should you require transportation to a medical facility or back home, this can be covered.

4. Peace of Mind: Knowing you’re protected allows you to enjoy your travels without constant worry about potential health issues.

5. 24/7 Assistance: Many insurers offer round-the-clock support, which can be invaluable when navigating healthcare in a foreign country.

You Cannot Buy Travel Insurance for These Pre-Existing Conditions

While many pre-existing conditions can be covered, some may be excluded from travel insurance policies:

1. Terminal Illnesses: If you’ve been given a terminal prognosis, finding coverage can be extremely difficult.

2. Recent Major Surgeries: If you’ve undergone surgery within the past few months, insurers may consider you too high-risk.

3. Ongoing Cancer Treatment: Active cancer treatments may be excluded, though some specialised policies may offer coverage.

4. Severe Mental Health Conditions: Certain mental health disorders, especially if recently diagnosed or unstable, may be excluded.

5. Alcohol or Drug Addiction: Ongoing substance abuse issues are typically not covered.

It’s important to note that exclusions can vary between insurers, and some specialised providers may offer coverage for conditions that others exclude. Always disclose your full medical history when applying for insurance to ensure you’re adequately covered.

Look for These Travel Insurances in the UK if You Have a Serious Illness or Disability

Several UK insurers offer comprehensive coverage for travellers with serious illnesses or disabilities:

1. AllClear Travel Insurance: Known for covering all medical conditions and no upper age limit.

2. Staysure: Offers tailored policies for pre-existing conditions and travellers over 50.

3. Avanti Travel Insurance: Provides coverage for hundreds of medical conditions and offers a simple medical screening process.

4. Free Spirit: Specialises in travel insurance for people with pre-existing medical conditions and disabilities.

5. InsureandGo: Offers coverage for many pre-existing conditions and has no upper age limit on single trip policies.

When choosing a policy, consider factors such as coverage limits, excess amounts, and any specific requirements related to your condition.

Travel Insurance Prices for Different Age Groups (18-50, 50-99)

Travel insurance premiums vary significantly based on age, destination, trip duration, and medical history. Here’s a general overview of pricing trends:

Age Group 18-50: - Generally lower premiums due to perceived lower risk - Basic policies may start from £10-£20 for short European trips - Comprehensive coverage or longer trips can range from £30-£100+

Age Group 50-99: - Premiums typically increase with age, especially after 65 - Basic policies may start from £20-£40 for short European trips - Comprehensive coverage or longer trips can range from £50-£200+

For travellers with pre-existing conditions, premiums can be significantly higher, potentially doubling or tripling the standard rates. However, the cost of insurance is often far less than potential medical expenses abroad.

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| Age Group | Basic European Trip | Comprehensive or Long Trip | |———–|———————|—————————-| | 18-50 | £10-£20 | £30-£100+ | | 50-99 | £20-£40 | £50-£200+ | —

It’s crucial to remember that these are general estimates. Actual prices can vary widely based on individual circumstances, the insurer, and the specific coverage options chosen. Always obtain quotes from multiple providers to find the best coverage for your needs and budget.

Travel insurance for those with pre-existing conditions or serious illnesses is an essential consideration for any trip. While it may come at a higher cost, the protection and peace of mind it offers can be invaluable. By understanding the benefits, potential exclusions, and pricing factors, travellers can make informed decisions about their insurance needs, ensuring a safer and more enjoyable journey.

The shared information of this article is up-to-date as of the publishing date. For more up-to-date information, please conduct your own research.

This article is for informational purposes only and should not be considered medical advice. Please consult a qualified healthcare professional for personalized guidance and treatment.