Frequently Asked Questions
Who is eligible for cover?
The travel insurers on our panel can only cover UK residents who are registered with a GP in the UK. Medical Travel Compared is unable to search for travel insurance to cover non-UK residents.
Is there an age limit on Single or Annual trip insurance?
No. Medical Travel Compared can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search.
Get I get cover for a one way trip?
No. Cover can only be provided for trips that begin and end in the UK.
Are all the travel insurers featured on Medical Travel Compared regulated?
Yes. Only travel insurance providers that are authorised and regulated by the Financial Conduct Authority are allowed on our panel.
Can you find competitive quotes for people without medical conditions?
Most definitely! If you have no medical conditions to declare you will find quotes highly competitive. We specialize in finding competitive travel insurance quotes for everyone including senior travellers and travelling companions.
What is a pre-existing medical condition?
A pre-existing is any medical condition for which medical advice, diagnosis, care or treatment was recommended or received before applying for a travel insurance policy.
Why do I need cover for pre-existing medical conditions?
Medical expenses abroad and repatriation can be very expensive. Having travel insurance that includes cover for existing medical conditions is the best way to ensure your protected from financial loss in the event of having to cancel the holiday or receive emergency medical treatment abroad.
Do I HAVE to declare my medical conditions?
Yes. It’s important to declare any past or present medical conditions. Failing to do so could invalidate your travel insurance policy and you may not be covered in the event of a claim.
Can I cover some of my medical conditions and exclude others?
No. When using Medical Travel Compared to compare quotes, you will need to declare any medical condition that falls outside of our medical declaration: i.e Any condition for which you have attended a hospital/ clinic/ doctors surgery or been prescribed medication/ received treatment within the last two years. You are also required to tell us about any respiratory, cancerous, heart or circulatory conditions (including problems with blood flow, strokes, high blood pressure or cholesterol) EVER diagnosed.
I’m on a waiting list for treatment/surgery, can I get cover?
Travel insurance policies exclude cover for medical conditions where treatment or surgery is pending. In order to obtain full cover, its best to apply for travel insurance once the procedure is complete and the doctor has signed you off.
I’m under investigation and have not received a diagnosis, can I get cover?
No. Travel insurers are unable to cover undiagnosed medical conditions. The insurers on our panel require the investigation to be concluded before they offer a quote.
Can I be covered for the pre-existing conditions of a non-traveller?
No. Should a close family relative become unwell due to an existing medical condition, causing you to cancel or cut your holiday short, you will not be able to claim. Travel insurance for pre-existing medical conditions applies only to the travellers insured on the policy.
I have a European Health Insurance Card (EHIC) do I still need travel insurance?
Yes. Whilst the EHIC can reduce the cost of necessary medical treatment when visiting countries within the EU, it is not eligible for use in private hospitals or treatment centers. Nor will it cover cancellation, curtailment or repatriation back to the UK.
I have a policy and my health/medication has since changed, do I have to tell my insurer?
Yes. Any changes to your health or medication that occurs before your departure needs to be declared to your insurer.
Are there any important policy conditions regarding health?
You must be fit to undertake your planned trip. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad. Cover will only be provided for pre-existing conditions that you have declared and which your insurance provider has accepted in writing.
How do I compare quotes?
You can submit your details just once here online. We will then search over 22 specialist insurers and then list cover options and quotes in price order for you to review. If you prefer to call us, we can also compare quotes over the telephone.
How do I submit medical information?
When applying for travel insurance online, you will be able to use our medical screening tool to declare all of your medical conditions. If applying over the telephone, a medical screening support assistant will guide you through the process.
How can I pay for my travel insurance?
Once you have selected a policy from our results list, you will be directed to the chosen insurers payment platform. Here you can make payment with a credit or debit card. We can also make payment to the insurer on your behalf by taking payment details over the phone. Cheque or cash payments are not accepted.
How will I receive my policy documents?
Your documents will be automatically emailed to you direct from your insurer. If you prefer to have your documents posted, please contact your insurer with this request.
I don’t have an email address, can I still use Medical Travel Compared?
Yes but you will need to telephone us to process the application. We will then arrange to have the policy documents posted to you.
Will Medical Travel Compared share my personal information?
We share the information you provide to us with our panel of insurers for the purpose of arranging travel insurance only! We do not sell or share information with third parties.
I need to make an amendment to my policy, who do I contact?
You will need to contact your insurance provider. Contact details will be provided with your policy documentation.
How do I cancel my policy?
You have a 14 day right to cancel period with any travel insurance policy. You will need to contact your insurance provider to cancel within this period. You are entitled to cancel providing you have not travelled or made a claim.
How do I make a claim?
Full details of what you need to do to make a claim will be detailed in the Policy Wording provided to you by your insurer.
How do I get medical assistance abroad?
If you require medical assistance or are admitted to hospital, you must call the 24-hour medical emergency number shown in your travel insurance policy documentation.
Will I be covered if my tour operator or airline goes bust?
If you’ve booked a package holiday through a travel agent or tour operator, very often the travel agent or tour operator’s bond with ABTA or ATOL will pay out. If you have booked your trip independently, you will need to check if your travel insurance policy covers you.