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We specialise in providing Travel Insurance with medical conditions.
You can get Travel Insurance with medical conditions if you buy cover from a specialist Travel Insurance provider like AllClear. Some providers will only cover you for medical emergencies that are unrelated to any pre-existing conditions. So if you’ve had a hospital appointment, visited a GP or taken any medication for a medical condition in the last two years, you’ll need specialist Travel Insurance
View this brief video overview from MaPS to learn more about their directory service:
What is medical travel insurance, and why do you need it?
You can still get Travel Insurance if you’re living with medical conditions, but you’ll need a specialist policy.
Standard Travel Insurance excludes cover for your existing medical conditions.
Specialist Medical Travel Insurance covers you for all the medical conditions you declare.
What would your specialist medical Travel Insurance policy cover?
As well as covering cancellation and baggage, a specialist policy covers medical expenses, including if you need medical treatment for your existing medical conditions while you’re away.
Cover benefits:
Which medical conditions do you need to declare for your Travel Insurance?
A medical condition is anything you’re having treatment for or are taking medication for.
All Clear is a specialist medical Travel Insurance provider.
We have covered more than 1,300 different medical conditions.
Examples include:
If you don’t declare your medical conditions, your policy could be voided.
Without Medical Travel Insurance, medical costs abroad can be very expensive.
Example costs of treatment for heart attack.
Spain – £45,000.
Thailand – £75,000
USA – £362, 000
How do you get quotes for Travel Insurance with medical conditions?
You can get quotes for Medical Travel insurance with AllClear.
Just pop in a few details about your trip and answer the screening questions.
A set of simple questions that we ask about your medical conditions to individualise your policy.
We may ask what treatment you’re having or your prescribed medication. Don’t worry, we don’t need to know the specific names of any medication.
Once you’ve sorted your Medical Travel Insurance, you can focus on enjoying your holiday. All medical conditions. All ages. All destinations.
Get a quote at AllClearTravel.co.uk or call 0800 640 4839
Emergency medical treatment abroad can cost more than you think. That’s why medical cover should be your number one priority when looking for Travel Insurance.
It covers emergency medical costs including hospital charges and ambulance fees. It also covers repatriation (medical transport back home) if needed.
With a standard policy, you would need to pay for costs incurred due to your pre-existing conditions, which can easily reach thousands of pounds very quickly.
According to FCDO figures, if you were to fall over in Spain and require treatment for a broken leg, you would be looking at costs of around £15,000. Even minor ailments such as an infection or stomach bug in the USA could cost you £100, 000 if you require flights home. Real customer claims we’ve paid out include; £21,587 for a fractured femur in Italy and £179,391 for pneumonia in Spain.Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”
Sheila has been with AllClear since 2015. When the couple visited their holiday home in Portugal, her husband was taken ill, she found out the true importance of having Specialist Medical Travel Insurance.
“When my husband fell seriously ill, he was suddenly taken to hospital in Portugal so you can imagine how traumatised I was. I rang AllClear and they were absolutely fantastic. They arranged for the air ambulance to come and collect him, the doctor and nurse came to the hospital to meet us and they actually escorted him all the way home to Newcastle, even taking him into the hospital to make sure everything was OK. It was amazing and meant so much to me.”
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A pre-existing medical condition is any illness or injury you have before you buy your Travel Insurance. It could be an ongoing condition, or one you have been treated for in the past. As part of the quote process, we’ll guide you through any relevant questions that may apply. We can then make sure you’re covered if you have a medical emergency abroad.
“People often underestimate just how important it is to let us know about their medical conditions. Even if something is minor and controlled at home, changes in climate can affect it. Declaring all your pre-existing conditions helps make sure you have the right cover. With comprehensive cover you can travel with peace of mind, even if the unexpected happens while you’re away.”
Letitia Smith MSc, Travel Insurance expert
As part of the quote process, we ask you to declare any conditions that fall within the medical warranty. This is an important part of our medical screening for Travel Insurance. But you may wonder if there are any conditions you don’t need to declare.If you’ve had a cold or flu, but didn’t need to see a doctor or take any prescribed medication, then you don’t need to tell us about it. We also don’t need to know about a complication-free pregnancy or any contraception prescriptions.
Travel Insurance offers financial protection for specific problems you might face on holiday. The medical section of your policy covers the cost of medical care if you become ill or have an accident.
Without Medical Travel Insurance, you’d be liable for any expenses resulting from an unexpected medical emergency when travelling. This means the cost of the ambulance, any doctor’s appointments and any surgeries you might need. Also, the cost of any medication that’s needed to treat you. These expenses can quickly build up and be in the thousands, if not tens of thousands, of pounds.
Here we explain how you would make a claim.
If you need emergency medical care while abroad:
For full instructions on how to claim, please read our How To Claim page.
SWIPE TO COMPARE POLICIES
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Travel insurance covers you when abroad (and before you go) and provides assistance in case of unforeseen emergencies However, certain types of claims may not be covered. You should review your policy document carefully before you travel. This will help you to know what benefits you have, and what exclusions apply.
Examples of situations where you may not be covered:
The GHIC has replaced the European Health Insurance Card (EHIC). This card means you’ll receive emergency and necessary state healthcare in EU countries as though you were a local citizen.However, the GHIC isn’t a substitute for Travel Insurance. It doesn’t cover you for:the costs of rescue and repatriation (an air ambulance from Spain back to the UK costs the costs of rescue and repatriation (an air ambulance from Spain back to the UK costs £10,000 or more)
Insurance for medical conditions doesn’t have to be hard to buy. If you have serious health conditions you can get specialist insurance from AllClear.Our 3-step quote process is quick and simple and designed to provide you with comprehensive worldwide cover.Here’s how it works.
1 . Get a quote online or by phone
Once you’re ready to start the quote process, the first step is to provide your personal details and information about your holiday and travel plans. This can be completed over the phone with one of our team members or online.
2. Tell us about your conditions
As part of the quote process, we’ll run through a medical screening, and ask you some questions about your conditions. This way, we can provide the cover that best suits your needs. As a specialist, AllClear can cover all pre-existing conditions.
3. Select your level of cover
Once you’ve completed the medical screening process, you’ll be able to choose the level of cover which best suits your needs.
The cost of Medical Travel Insurance will differ based on a number of factors
If you’re concerned about the cost, there are some steps you can take to get cheaper Travel Insurance.
The length of your trip and the cost of medical treatment in the country you plan to visit can affect the costs of medical cover. For example, a week’s trip to Milan will be cheaper to cover than a two-week holiday in New York City.
You should never knowingly declare your medical conditions inaccurately.. Doing so may reduce the policy premium, but you would invalidate your cover and leave yourself responsible for all the costs incurred in the event of a claim.
“Everyone has the right to travel and living with medical conditions shouldn’t stop you from enjoying your holiday. It does help to be prepared and make sure you have comprehensive Medical Travel Insurance. That way, you can travel with peace of mind, knowing you’re covered if the unexpected happens and you need emergency medical assistance while you’re away. It means there will be a 24 hour helpline to help you through a difficult situation.”
Travel Insurance and medical insurance serve different purposes.
Travel Insurance policies are designed to cover accidents, property loss, cancellations and emergencies while overseas. Our Travel Insurance policies can cover emergency medical treatment related to pre-existing medical conditions, but not all do.
Medical insurance focuses on medical cover, usually in your home country, for issues like therapies, treatments, medications and sometimes preventative care. UK residents are entitled to free healthcare from the NHS, so this isn’t needed. However. many people also take out private medical insurance to cover the costs of private healthcare providers.
The GHIC is not enough to cover your emergency medical expenses when abroad. The UK Government recommends that all travellers from the UK get the recommended Travel Insurance policy for their destination.
It’s important to note that while the GHIC covers you for emergency medical costs, it will not cover you for anything that is not a direct medical cost, such as transport to and from hospital. It also won’t cover you for other holiday mishaps, like lost luggage, delays or cancellations.
At AllClear, we offer Senior Travel Insurance, so that you can have comprehensive cover at any age, no matter your conditions. So, if you’re looking for Travel Insurance for over 70s or over 60s we can help you!
Medical care abroad can be very expensive. For example, a stomach bug treated in a hospital in the USA with return flights home could cost around £100k.
How much cover you need will depend on where you’re going, what you’re doing, your medical history and how long you’ll be travelling for. We’ll use these to work out a policy that will keep you fully protected so you can travel with confidence.
No, there is no upper age limit on our Travel Insurance policies, and we can cover all pre-existing medical conditions. The only age limit is on our winter sports cover, which we cannot provide for people aged over 65.
When choosing your policy, you must declare your medical conditions via our medical screening process. This can be done online or over the phone.
During the medical screening process, we’ll ask you a few questions about your medical conditions. Some example questions we might ask include:
It’s important to declare all pre-existing medical conditions. If you don’t, you may find that your policy is invalidated and you’re left to cover any unexpected medical costs. You’ll need to answer a series of questions relating to your condition(s) when completing your quote.
As part of the quote process, we ask you to declare all of your conditions as part of our medical screening for Travel Insurance. If you’ve had a cold or flu, but didn’t need to see a doctor or take any prescribed medication, then you don’t need to tell us about it. We also don’t need to know about a complication-free pregnancy or any contraception prescriptions.
If you need to make a claim, you may need a letter from your doctor confirming that you were fit to travel at the time you bought your policy, and the date when you were declared unfit to travel.
Yes. However, It’s important that you understand that you will have no cover relating specifically to your undiagnosed condition(s) for Cancellation, Curtailment (cutting your trip short), Medical Emergency Expenses and costs relating to Home help or a nanny (where offered).
Yes, Medical Travel Insurance covers any prescription medication you might need when abroad, so won’t be left without medication that you might need.
We suggest you carry extra supplies in case you’re delayed abroad. Subject to airline restrictions, carry your medication in your hand luggage and not in checked-in bags.
It’s useful to travel with a copy of your prescriptions, and a copy of your medication’s medical name, as the brand name may differ in your destination country. Always check that your medications are not prohibited in the destination you’re travelling to.
No, pregnancy is not considered a pre-existing medical condition for Travel Insurance. However, any pre-existing pregnancy-related conditions are classed as pre-existing conditions, such as gestational diabetes.
We will cover claims for emergency medical expenses, or cancellations until the beginning of the 32nd week of your pregnancy (24th week for multiple pregnancies).
Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
2 Based on over 100,000 Trustpilot responses, correct as of March 2024
Written by: Letitia Smith | Travel Insurance ExpertLast Updated: 2 May 2024
3 - Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 40,000 reviews as of September 2023.