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 could be cheaper too!
How to Get Travel Insurance Online
Today, you can find and purchase travel insurance online incredibly easily. There are many outlets to buy from, including travel insurance comparison sites or directly from the insurers themselves. If you are worried about buying travel insurance online, you should consult this guide from the Money Advice Service.
With Medical Travel Compared, buying travel insurance online is really easy.
We’ve taken the time to ensure that our website is really simple, and explains everything you need to know in a clear and concise manner.
To get started, all you have to do is click the big purple button that says ‘Compare Quotes’ at the top of the page.
This will take you to the form you need to fill out in order to get a free quote from lots of different insurance providers.
Remember, Medical Travel Compared is a comparison website – we don’t offer policies ourselves.
But we’ll only show you quotes from reputable companies.
Where to Buy Travel Insurance Online
You can buy travel insurance online from a number of outlets, including:
- Travel insurance comparison sites
- Direct from travel insurers
- As part of a package holiday
- As part of your fight reservation
You should always buy your travel insurance from a company you’ve either heard of or a company you know you can trust. It’s very easy to find review information about companies on the internet, so we always recommend that you do your research before finalising your purchase.
Being a travel insurance comparison site ourselves, we believe comparing policies and prices is the best way to buy your insurance online.
One of the many great things about Medical Travel Compared, is that it allows you to compare lots of quotes at the same time.
This way, you can find the cheapest deal – but also the policy that offers you the most comprehensive cover.
And it saves you from searching through every insurance website individually. You just have to look at one.
When you fill out our form, we take all your information and search many reputable insurance companies across the country.
Then, we find the best quote each is willing to offer, and present them to you.
We don’t deal with any company we don’t consider to be trustworthy. So you can be sure that all your information is safe and secure.
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
It’s a very straightforward and easy process to disclose your medical history online.. 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 declaring a medical history 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 – 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 ‘Proceed to payment’ button in order to make payment. You will be able to pay online with all major credit and debit cards and will be transferred directly to the insurance providers secure payment page 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.
Ready to look for travel insurance? Hit the ‘Get a Quote’ button now!