Not all travel insurance is the same: Compare travel insurance for medical conditions
Medicaltravelcompared.com makes it easy for you to compare travel insurance cover for pre-existing medical conditions. You only have to enter your travel dates and declare your medical conditions once to get a selection of quotes from our specialist panel of travel insurance providers.
But once you’ve got your travel insurance quotes, how do choose which policy is best to cover you and your medical conditions? Because not all travel insurance is the same we’ve put together some tips to help you choose your travel insurance policy wisely.
If you have a pre-existing medical condition, such as asthma, epilepsy, high blood pressure, heart disease or diabetes, getting the right travel insurance with your medical conditions covered becomes even more important.
Check that the travel insurance will cover your medical conditions
For travellers living with pre-existing medical conditions, the most important thing to check when you get a quote for travel insurance is whether your medical conditions will actually be covered by the policy.
To make it easy, once you have declared your medical conditions, medicaltravelinsurancecompared.com will only show you travel insurance policies that are able to cover your medical conditions whilst you are away.
Compare the cover for medical and repatriation expenses
Medical and repatriation expenses is the most important section of cover in a travel insurance policy, it is designed to cover the cost of emergency medical treatment whilst you are away and your transport back to the UK with a medical escort or by air ambulance if it is deemed medically necessary.
Hospital treatment abroad can quickly amount to £1000s of pounds, so if you travel uninsured, or don’t declare your pre-existing medical conditions when you buy travel insurance you are taking a big risk and could find yourself facing large medical bills.
The Consumer Association Which? recommend that you choose a policy with at least £5 Million medical expenses cover for Worldwide (outside of Europe) trips or £2 Million for trips within Europe.
Mobility aids and loss of medication
Depending on the type of pre-existing medical condition you have or the severity of your medical conditions, there may be elements of the travel insurance cover that are more important to you such as cover for mobility aids or loss of medication.
For instance if you have a medical condition which means that you rely mobility aids such as a wheel chair or walking frame to get around, it might be important to you that these are covered by your travel insurance for loss, theft or damage whilst you are away.
Or, if you are diabetic, or have another medical condition which requires you take medication with you on holiday, you may want to look for a travel insurance policy which will provide cover for loss of medication whilst you are away.
Choosing the right level of cancellation cover on a travel insurance policy is easy. All you need to do is compare the amount of cancellation cover with the cost of your holiday.
If your holiday only cost £500 per person there is no need to have £5000 cancellation cover per person on your travel insurance. Of course it also works the other way round, if you are taking an expensive holiday; make sure the level of cancellation cover in your travel insurance policy is adequate, otherwise you could find yourself out of pocket.
Compare the excess on travel insurance policies
The excess is the amount that you have to pay in the event of a claim on your travel insurance policy; it will vary from policy to policy. You can choose a more expensive policy which has no excess to pay in the event of claim, or go for a lower priced travel insurance policy which is likely to have a higher excess.
The level of excess you choose on a travel insurance policy is really a matter of personal preference with regards to how much you can afford to pay or are willing to pay in the event of a claim.
Comparing travel insurance for medical conditions can be easy
Medicaltravelcompared.com makes it easy for you to compare travel insurance cover for pre-existing medical conditions. You only have enter your travel dates and declare your medical conditions once to get a selection of quotes from our specialist panel of travel insurance providers.