How We Work

Let us explain more!

We work hard to ensure that we have a wide selection of medical travel insurance products for you to compare. Only specialist travel insurers are eligible to sit on our panel, so we’re confident that no matter your age, destination or type of medical condition, we should be able to assist in finding the cover that meets your individual needs.

How does Medical Travel Compared work?

1. We’ll ask you for details of your trip, what cover you need and the details of your travelling companions. You’ll then be able to safely and securely declare any pre-existing medical conditions using our sophisticated online screening tool – no need to call a provider or declare your condition in writing – it’s really that easy!
2. We’ll ask you to enter your details only once and then we’ll share these with our panel of over 30 specialist providers. You’ll then be able to compare the prices and features of each policy, and can even filter your quotes, making it easier to find the cover that is right for you!
3. And don’t worry If you need to think about your decision, we’ll send you an email with your top quotes. You can then revisit your quotes without needing to enter all your details again (however, prices are live and are subject to change).
4. Once you’ve chosen the policy that is right for you, we’ll transfer you directly to the insurance provider. There you will be able to confirm your details and make a secure payment. Your chosen provider will send all your policy documentation directly to you.

How does the medical declaration process work?

In order to provide you quotes for the most suitable travel insurance, we need to get an understanding of your medical history.

That’s why declaring your medical history is a very important part of the overall process.

In terms of how it works, you'll first be asked a few questions to establish whether or not you need to declare your pre-existing medical condition(s) to providers. If you do, you'll be able to search and add your specific condition(s) and only answer questions relevant to your condition.

This can range from how many hospital visits you’ve had in the last 12 months, to what sort of medication and treatment you need to manage your condition on a daily basis. The answers you provide will help us determine the severity of your condition based on a simple scoring system.

Therefore, it’s important that you answer these questions as accurately as you can - since this will help us to appropriately match you with insurance providers offering cover for your specific needs.

It’s also important to bear in mind the fact that your age, chosen destination, and duration of your trip will also impact the quote in terms of the level of cover needed.

Can I trust the Medical Travel Compared results?

We connect straight into all of our providers - so the quotes you’re offered in real-time are highly accurate.

Obviously we can’t always guarantee that the quote will remain the same if you leave and return at a later time - as providers can change their rates whenever they like.

If you go back and make a change to your application, it’s also likely that your quote could change. That being said, it’s good to have the flexibility to return to the application if you suddenly remember something important.

Who are the insurance providers Medical Travel Compared work with?

We work with a variety of established names within the travel insurance industry - including:

Will insurance providers contact me directly?

The only time an insurance provider will contact you directly is once you’ve purchased a policy from them.

In the meantime, while you’re still shopping around, the only communications you’ll receive will be from us. This will include a summary of your top 3 quotes we find based on the information you’ve provided.

Once you’ve acquired your preferred policy, the insurance provider will send across your full policy documents - including the various terms and conditions.

Depending on how you choose to be contacted, this could either be via post or email. Make sure you keep this information in a safe place for the duration of the time you’re covered.

We are regulated

Medical Travel Compared is a trading name of Aequotech Limited who is an insurance intermediary authorised and regulated by the Gibraltar Financial Services Commission (20376).

The Commission supervises and regulates licences from within the banking, insurance and investment sectors. You can find out more information on their website.

Alongside this, Medical Travel Compared also has permission and authority to trade from the Financial Conduct Authority (FCA).

What happens to my personal information?

When you use our services, it is necessary for us to collect some of your personal information, so that we can provide you with quotes based on your personal circumstances.

We know how important it is for you to know that the information we collect is safe, secure and used appropriately. We’re committed to maintaining your privacy and want you to feel able to entrust us with your information.

Our privacy policy

Your personal information can be used for a variety of reasons such as providing you with a quotation, understanding how we can improve our services to you, entering you into prize draws and sending you useful communications if we have your consent. We'll never knowingly share your information to any third parties other than to allow us to provide our services.

Our privacy policy will help you understand your rights and our obligations, how we collect and use your data and our commitments to protect our data. By using our website, you are agreeing to our privacy policy.

Our cookie policy

Cookies are small text files that are stored on your computer when you browse a website and are heroic little things. They help you move through our website easily, remember who you are and provide you with the best experience possible. Without cookies we would not be able to provide you with a quote!

By using our website, you are agreeing to our cookie policy.

How do we make money?

You may be wondering how we make money by providing this service. Once you’ve chosen the product that’s right for you, the insurance provider you’ve chosen will pay us a commission. This commission is a percentage of the cost of the insurance policy. We aren’t owned by any insurance companies (or have any favourites) so the commission we receive doesn’t influence the providers we display.

These are the terms and conditions which apply to our service and your use of this website. Please read them carefully.

Contact us

If you need help with a quote or have a general query, you can email us at contact@medicaltravelcompared.co.uk or visit our help centre.

Alternatively, you can complete the simple form on our contact page. We will get back to you as soon as we can, usually by the next working day.