The MTC Guide To Buying Travel Insurance Online
If the idea of applying for travel insurance and having to discuss your medical history with a stranger is off-putting, then the solution lies with online medical screening. Not only is buying travel insurance online quick and convenient, but with Medical Travel Compared it can be cheaper too!
How to Save Money on Your Travel Insurance
When going direct to travel insurers, they may be able to offer you a quote, but this doesn’t necessarily mean it will be the best available price on the market. Accepting the first quote you’re given or buying through your travel agent can work out expensive. If you want to save money, comparing quotes from a variety of companies is a must, but going from site to site or phoning around for quotes can be time consuming, especially if you have medical conditions to declare. That’s where Medical Travel Compared can help - having access to a panel of over 40 leading travel insurance specialists, our free independent service is designed to provide multiple quotes in minutes, saving you time and money!
Declaring Your Medical Conditions Online
Our online medical screening process is very straightforward. All you have to do is enter the name(s) of your medical conditions into the system. You will then be asked a series of relevant questions to help us assess your current health status. It’s really important that the information you provide matches your medical records, as in the event of a medical claim, this information may be verified. If you’re completing a medical screening on behalf of a friend or family member, make sure you’re fully informed of any heart, respiratory, stroke, or cancerous conditions EVER suffered and aware of any medical conditions that medication is being prescribed for, as failing to declare any material facts could generate inaccurate quotes and invalidate the policy. Read our ‘Online Medical Screening Guide’ for further information.
How the Premium is Calculated
Many people think that the more medical conditions you declare, the higher the premium will be. This is not the case. Many medical conditions do not have an impact on the cost of travel insurance and it’s not necessarily the amount of medical conditions that affect the premium, but a combination of current health status, travel destination, length of trip and age.
How to Choose the Right Travel Insurance Policy
Apart from making sure your policy includes cover for your pre-existing medical conditions and provides a good level of medical expenses and repatriation cover – at least £2 million is recommended, here’s a few other cover options to take into consideration when comparing and buying travel insurance online:
- Cancellation & Curtailment
Make sure this covers the total cost of your holiday in case you have to cancel in the instance of job loss and can no longer afford the trip, an illness or injury which deems you unfit to travel or having to cut the holiday short and return home because a close family relative falls seriously ill. If you're travelling last minute with no cancellation risk, you may not feel the need to pay out for cancellation cover and choose a lower priced quote.
- Baggage and Personal Belongings
If you already have cover with your household insurance, you may be able to exclude baggage and personal belongings when buying travel insurance online and save some money. If you are opting to include this cover, do check the single article limit will cover your most expensive items.
- Personal Liability
If you cause an accident, damage property that doesn’t belong to you, or cause a plane or cruise ship to divert and interrupt other peoples travel plans, they could claim against you and the costs may not be cheap! Having cover of at least £1 million is recommended.
Why You Should Add Travelling Companions To Your Policy
It’s a misconception that travelling companions without medical conditions can get a better deal with a standard insurance policy. Whether your travelling companions have pre-existing medical conditions or not, adding them to your policy offers protection in the event they need to make a claim due to your medical conditions causing trip complications. Insured on a separate policy, your companions run the risk of being out of pocket if they need to cancel the holiday or perhaps stay with you if you become unwell and get a flight home at a later date (terms and conditions vary).
When to Purchase Online Travel Insurance
Once you have booked a holiday, it’s a good idea to get some travel insurance in place to protect the money you have spent out, whether it be a deposit or perhaps the cost of flights. Your cover will become active from the moment you pay for it, and provided you have cancellation cover, you will be able to claim should you have to cancel the trip (terms and conditions vary).
Paying For Travel Insurance Online
When you have chosen a policy from our search results, simply hit the ‘Buy Now’ button in order to make payment. You will be able to pay online with all major credit and debit cards and will be transferred to a secure and safe area to enter your details. Confirmation of your purchase along with your policy documents will be emailed to you direct from the insurer.
Finding a Solution If You Have Been Declined
Although Medical Travel Compared aims to provide a solution for every applicant, unfortunately we can’t guarantee a quote for every circumstance. There are a variety of reasons cover could be declined:
- Awaiting Medical Investigation, Surgery or Inpatient Treatment
If you’re awaiting a diagnosis, or under investigation, insurers may be reluctant to insure you, mainly because they don’t know what the condition is and how to assess the risk in order to provide a fair quote. The same can apply to diagnosed conditions that require surgery, and insurers prefer to offer cover after the surgery has been performed and your condition is stable. If you arrange cover before you receive a confirmed diagnosis or the investigation/ surgery is complete, your insurance is likely to exclude cover for anything related directly or indirectly to pre-existing medical conditions.
- The Combination of Your Medical Conditions and Travel Destination
Some countries operate a high level of private health care, which makes medical treatment and repatriation costs more expensive. Insurers will rate such areas as higher risk when it comes to insuring pre-existing medical conditions, and where some conditions will get accepted for say France, they may be declined for the USA. Please read our Travel Insurance Destination Guide for more information.
- Annual Verses Single Trip
If you have been declined Annual Cover try getting a quote for Single Trip. Annual parameters can be narrow when it comes to accepting medical conditions, but single trip can be far easier.
If you don’t fall into any of the categories above and have been declined cover, please contact us using the email form on the Contact Us page and we will do our best to refer you to a suitable insurer.
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