Insure for Travel travel insurance

Insure for Travel covers a wide range of pre-existing medical conditions but it does not guarantee to insure you and all quotes are dealt with on a case-by-case basis. The answers you give to its medical screening questions and the country you are travelling to will determine if you can get cover.

It says the most commonly declared conditions are:

• Angina

• Arrhythmia

• Arthritis

• Asthma/chronic obstructive pulmonary disease (COPD)

• Back disease

• Bowel cancer

• Breast cancer

• Coronary artery bypass graft (CABG)

• Cardiac valve disease

• Cerebrovascular accident

• Crohn's disease

• Depression

• Diabetes

• Diabetes mellitus

• Epilepsy

• Heart attack (plus other related heart medical conditions)

• High blood pressure

• High cholesterol

• Hypercholesterolemia

• Hypertension

• Hypothyroidism

• Kidney disease/dialysis

• Malignancy - breast

• Myocardial infarction

• Osteoporosis

• Prostate cancer

• Skin cancer

• Stroke

• Thrombosis

• Transient ischaemic attack

If you need emergency medical treatment due to an accident or unexpected illness during your holiday, contact the Medical Emergency Assistance Company’s 24-hour helpline on +44 (0)1444 465553 or email 247assistance@imglobal.com.

But in a life or death situation you should contact the emergency services in the country you are visiting.

You might be best with single trip cover if you take one or two holidays per year.

If you are likely to travel several times a year, then annual multi-trip cover might work out cheaper.

Bear in mind that both insurance policies only protect you against eventualities that happen during holidays that start and end in the United Kingdom, the Channel Islands or the Isle of Man.

Insure for Travel has three policy levels for single trip and multi-trip travel insurance:

• Emerald - the basic level of cover

• Diamond - the mid-tier option

• Diamond Plus - the highest level of cover

If you’re opting for an annual multi-trip policy, Insure For Travel covers these geographic areas:

UK: England, Scotland, Wales, Northern Ireland and the Isle of Man

EU1: Albania, Andorra, Austria, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Channel Islands (Guernsey, Jersey, Alderney and Sark), Corsica, Croatia, Czech Republic, Denmark (inc. Faroe Islands), Estonia, Finland, France, Germany, Gibraltar, Holland (Netherlands), Hungary, Italy, Kosovo, Latvia, Lithuania, Luxembourg, Moldova, Monaco, Montenegro, North Macedonia, Poland, Portugal (inc. Azores), Republic of Ireland, Romania, San Marino, Sardinia, Serbia, Slovakia, Slovenia, Sweden, Switzerland, Ukraine, Vatican City.

EU2: Those countries listed above in ‘EU1’ and including: Iceland, Liechtenstein, Madeira, Malta, Norway and Spain (including Balearic and Canary Islands).

EU3: Those countries listed above in ‘EU1’ and ‘EU2’ and including: Cyprus, Greece (including Greek Islands) and Russia (West of Urals).

EU4: Those countries listed above in 'EU1', 'EU2' and 'EU3' and including: Turkey.

WW1 - Anywhere in the world including Australia and New Zealand, but excluding the United States of America, Canada, the Caribbean and Mexico.

WW2: Anywhere in the world.

It defines Caribbean countries as: American Samoa, Antigua and Barbuda, Aruba, Bahamas, Barbados, Bermuda, Bonaire (Antilles), Cayman Islands, Cuba, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Leeward Islands, Martinique, Midway Island, Montserrat, Netherlands Antilles, Puerto Rico, Saint Barthelemy, St Kitts and Nevis, St Lucia, St Martin, St Pierre and Miquelon, St Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Virgin Islands (UK), Virgin Islands (US), Wake Island.

If you’re opting for a single trip policy you can search for the individual country.

The area you have chosen will be shown on your insurance certificate.

Insure For Travel won’t cover you for:

• Claims where you cannot provide enough supporting evidence

• Taking part in activities where there is an increased risk of injury, unless Insure for Travel has agreed otherwise

• More than the maximum benefit limits (and sub-limits when these apply) shown in the cover summary

• The policy excess that applies.

• Circumstances you knew about before taking out the policy or booking your trip (whichever is later) and which could reasonably have been expected to be the reason for a claim, unless Insure For Travel agreed to it in writing.

• Claims caused as a direct or indirect result of something you are claiming for, such as loss of earning as a result of being delayed in returning home

• Claims arising from an epidemic or pandemic, except for the cover described under the Trip cancellation, Trip interruption, Travel delay & missed departure, Emergency medical/ dental cover abroad and Emergency transportation sections of your policy document

You should check your policy document as general exclusions apply to the whole policy and each section contains exclusions specific to that section.

The travel insurance excess is the amount you, the policyholder, agree to pay out for any claims. To put it simply, if you incur a loss covered by your insurance, the excess is your share of the payment.

The level of voluntary excess you have to pay with Insure for Travel ranges from £95 if you have the highest level of cover (Diamond Plus) to £125 for mid-tier cover (Diamond) to £145 for Emerald.

If you wish to cancel within the 14-day cooling off period:

• You must contact Insure For Travel within 14 days of buying the policy or the date you receive your policy documents

If you wish to cancel a policy after the 14-day cooling off period:

• You will not be entitled to any refund if you have a single trip policy

• You will receive a pro rate refund if you have an annual multi-trip policy

You can contact Insure For Travel by:

• Phone: Insure For Travel on 01903 209903

• Email: enquiries@insurefortravel.co.uk

• Writing to: Insure For Travel, 17 Bushby Avenue, Rustington, Littlehampton, West Sussex, BN16 2BY

Insure For Travel will not refund your premium if:

• You have travelled on the policy

• You have made or if you intend to make a claim

• An incident has occurred which is likely to give rise to a claim