(+44 118 321 8197 from abroad)
| Monday to Friday | 10am - 4:00pm |
| Saturday, Sunday & Bank Hols | Closed |
Preexisting Medical Condition Travel Insurance
Travel Insurance for those with an existing medical condition - Whether you want to buy insurance online or talk to someone about it we can help.
Cancer Travel Insurance
Find cancer travel insurance now. Get a quote online now for insurance that can cover your travel when you have cancer.
Diabetes Travel Insurance
We offer a wide range of diabetes travel insurers. You can either talk through your situation on the phone or buy online with experts in both type 1 and type 2 diabetes travel insurance.
Stroke Travel Insurance
Compare Travel Insurance policies which cover those who have had a Stroke, go on your travels with the peace of mind that you are covered!
Heart Travel Insurance
Compare Travel Insurance policies for those with a heart condition. We specialise in those with heart problems or cardiac disease.
Diverticulitis Travel Cover
There are as many types of insurance policy as there are health problems and fortunately diverticulitis travel insurance can normally be found at reasonable cost. Those with a mild form of diverticulitis can find that some insurers do not charge any additional loading at all.
COPD Travel Insurance
COPD Travel Insurance Comparison - Find travel insurance that allows you to take your trip with confidence
- Pre-existing Medical Conditions
- Asthma Travel Insurance
- Blocked Arteries Travel Cover
- COPD Travel Insurance
- Cancer Travel Insurance
- Compare Pre Existing Insurance
- Diabetes Travel Insurance
- Diverticulitis Travel Cover
- Epilepsy Travel Insurance
- Heart Travel Insurance
- Medical Conditions Insurance
- Medical Holiday Insurance
- Medical Travel Insurance
- Over 70 Travel Insurance
- Over 80s Travel Insurance
- Ski Cover - Medical Conditions
- Sleep Apnoea Travel Insurance
- Stroke Travel Insurance
- Terminal Prognosis Insurance
- Travel Cover with E.coli
Compare travel insurance for pre existing medical conditions
If you or one of your family members have a pre-existing medical condition you will probably have found that it can be fairly tricky to find affordable travel insurance.
The good news though is that MoneyMaxim have not just one or two companies who can help, but a panel of leading travel insurers who specialise in offering policies that cover pre-existing medical conditions. And comparing these policies could not be simpler.
Travel insurance for medical conditions
Travel insurers are well aware that medical claims, hospital bills and visits to doctors abroad are a major expense to their policyholders. And whilst most policies cover bills for hospital treatment for millions of pounds you do need to ensure that you have informed your insurer fully of any conditions you may have prior to taking out your insurance or you could find your policy is invalid.
And when you do advise your insurer you may find that the insurance premium you are asked to pay is higher than if you had not declared your condition. However if your condition is minor you may often find that it can be covered without an extra premium.
If your condition is historic and one that you consider is well in the past you may still need to tell your insurer about it. This is because your insurer may consider that statistically there is a higher chance of a recurrence or other related illnesses.
For peace of mind though, it's important to know you are fully covered so that, if you were to need to make a claim under the medical condition part of your policy, you know it will be covered. As medical bills and repatriation costs can run up very quickly running a risk in this area is definitely not worth it.
How is medical screening carried out?
When you carry out a search for travel insurance which covers your pre-existing medical condition you will almost certainly be asked questions about your condition.
These are designed to assess the severity of your situation, and will result in you being allocated a score, which is then passed to the travel insurers. If your score is low you may well find that your condition means no additional premium. If it is high it means the extra premium may be considerable, or even result in some insurers deciding they would prefer not to quote. Other potential outcomes include offering you insurance which excludes cover for your pre-existing medical conditions or to insist upon restrictions, exclusions or other terms such as suggesting you pay a higher excess than would normally be the case.
However we do know insurers who are willing to quote for any condition, any age, any length of stay and any destination. So, if you do get stuck, please give us a call on 0118 321 8197.
If you don't declare your medical condition you could find you have problems when it comes to a claim. When an insurer reviews any claim they are entitled to ask for a report from your doctor, and, if they think a claim may be down to a pre-existing condition, they are likely to check that you have fully declared the position. It is, therefore, always important to declare it.
If you have a condition where travel insurance is turning out to be very expensive, it's always worth considering where you travel to. Whereas medical bills in the United States, Canada, Caribbean, Spain and Cyprus are eye-wateringly expensive, places like France tend to be the opposite. Do try a few destinations, selecting exact countries to test out your options.
As well as helping you compare many travel insurance policies quickly, our comparison service can also help if you have specific sports or activities planned for your trip.
Do try us in your search for cheap travel insurance - we are sure you will find MoneyMaxim to be your ideal partner!
Image courtesy of: jannoon028 at FreeDigitalPhotos.net
This content was last reviewed on 26/09/2023