Travel insurance with pre-existing medical conditions

If you’re planning on jetting off to warmer climes this summer and have a pre-existing medical condition, obtaining travel insurance can seem like a frustrating process.

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If you have a pre-existing medical condition, you may find you have to pay more for travel insurance as you will be considered a higher risk and therefore more likely to make a claim. 

Alternatively, some insurers may offer you cover but not for that particular condition, or they may turn you down altogether. Other insurers might offer you cover, but will impose certain restrictions.

It’s therefore best to shop around carefully to help make sure you find the right policy for you.

Finding the right policy

If you’re finding it hard to get cover, you may need to take out a specialist travel insurance policy.

MoneySuperMarket has teamed up with some of the top specialist travel insurance companies and by using our comparison tool, you can compare travel insurers that cover medical conditions as part of their policies.

This means you would be covered if you fell ill on holiday due to your medical condition.

How much you pay for your travel insurance policy will largely depend on the severity of your condition and insurers will ask a series of questions to determine how much potential risk your application poses.

It’s important that you tell the provider exactly what condition you are suffering from, even if you feel it is something insignificant such as mild asthma or high blood pressure. Depending on what it is, you may find you don’t have to pay extra costs, but it’s still important that your insurer knows.

The same is true even if you’ve been cured from a particular condition – it’s still best to inform your insurer.

Insurers are able to access medical records in the event of a claim, and if they later find out you weren’t honest, they could refuse to pay out.

Options to keep the cost of your policy down

Shopping around and comparing policies is key to making sure you get the best possible policy for you.

But if you are still finding that the cost is too high, there are steps you can take to get your premiums down.

Considering a different destination could significantly bring the cost down and even determine whether or not you are offered travel insurance.

Choosing to avoid America, the Caribbean and Canada, for example, could be one option as these countries are renowned for having some of the most expensive medical care in the world. If you haven’t already booked, bear this in mind.

Opting to pay a higher excess could also save you money on a policy – just be sure that if you did need to make a claim you could cover this.

Please note: Any rates or deals mentioned in this article were available at the time of writing.

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