Obtaining travel insurance might be challenging if you have a history of illness or suffer from any chronic ailments. In this section, we will discuss how to locate coverage and evaluate expert providers.

Can I acquire travel insurance if I have a medical condition?

Finding reasonably priced travel insurance might be challenging if you suffer from a pre-existing medical condition such as cancer or a heart ailment, for example.

In most cases, inquiries concerning your previous medical history will be posed to you. If you disclose a preexisting medical condition to your insurer, they have the right to raise your premium, include a condition exclusion in the policy (which means they won’t cover the condition), or choose not to do business with you altogether.

You are not without choices, which is excellent news.

In this guide, we compile the most important facts on travel insurance policies and illness, as well as instructions on how to include expert providers in your search. We have also provided ratings for the coverage that is provided by a few of these insurers.

If you have a medical issue, though, here are some brief pointers that will help you obtain coverage.

It’s not usually the medical conditions that make a difference.

There is no guarantee that obtaining health insurance will be difficult for you simply because you have a pre-existing condition. The majority can be handled with a moderate amount of ease.

Be honest

When applying for insurance, you are obligated to provide answers that are true and honest to all of the questions asked of you. This implies that if the insurer inquires about your medical conditions, you are required to be open and honest about them.

If it is discovered that you have concealed information that was required by the insurer when the time comes for you to file a claim, the insurer may consider the policy to be null and void.

There are insurers that will give you the option to not declare conditions in the knowledge that coverage for certain conditions will be declined automatically. This could result in a lower premium for you, but it could also leave you with significantly less coverage than you require.

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An insurer may not be able to make an informed determination regarding the level of risk posed by your disease based solely on the responses it receives to a few questions asked in an online questionnaire.

It is in your best interest to give the insurance company a call if you have a condition that is particularly complicated so that they can do a more in-depth analysis of your specific situation.

Think about getting quotes from many insurers.

When looking for the best insurance, we believe it is in your best interest to investigate as many options as you possibly can. Non-specialist insurance might be able to offer you a fee that is comparable to what a specialist would charge, but this will depend on the severity of your medical problem. The good news is that websites that compare prices can help you form a snap judgement about the products and services offered by mainstream companies.

Think about getting single-trip insurance.

Because some insurance companies will sell single-trip policies to customers they would not sell annual policies to, it is important to compare the costs associated with both types of coverage.

Who provides reasonably priced travel insurance for those with medical conditions?

Customers who have trouble locating cheap coverage elsewhere often turn to “specialist” carriers who make it their mission to meet this need.

Because the amount you’ll pay is contingent on the complexity or severity of your medical condition, we are unable to say which option would provide the most affordable protection for you.

On the other hand, if you have been denied insurance elsewhere due to your medical issues or have been offered only expensive premiums, specialists may be more likely to be able to cover you under their policies.

What exactly is meant by “medical screening”?

It’s possible that while you were shopping around for insurance rates with several providers, you found yourself answering the same questions over and over again. This is due to the fact that only a select few businesses are authorised to carry out the duty of “medical screening” on behalf of the majority of insurance providers.

To put it more plainly, medical screening is the process of gathering information from clients regarding their medical history and converting it into a “risk score.”

The insurance company considers the score when determining whether or not to provide coverage to the customer and how much they will charge for it. It is important to note that two different insurance companies may arrive at different conclusions despite using the same screening method and score.

As the table to the right demonstrates, a significant portion of the business world, including the most prominent price comparison websites, relies on a company named Verisk to do medical screenings on potential customers.

Where can I look for specialised insurance companies?

Because virtually all travel insurers will cover some medical issues, you shouldn’t rule out the more mainstream providers just because they are more well-known.

On the other hand, the Financial Conduct Authority has compiled a directory of insurance providers that have demonstrated expertise in providing coverage for those who have preexisting medical issues. Some of these companies focus on treating a particular illness, like cancer, while others cater to patients suffering from a wide range of illnesses.

It is possible that the companies featured in the directory will be able to assist you if:

You have been turned down for insurance by other companies due to a preexisting ailment that you have.
You have discovered that some of your medical conditions are covered by insurers while others are not.
The price of your insurance will go up dramatically as a direct result of your medical conditions.

Making use of a broker

If you are having problems locating insurers online, one option available to you is to work with brokers who will explore the market on your behalf.

A ‘find insurance’ service is provided by the British Insurance Broker’s Association (BIBA). This service will connect you with insurance brokers who are experts in providing coverage for various medical problems.

Learn more about the BIBA’s Find Insurance service by clicking here.

What happens if something changes with my health after I get travel insurance?

You might be excused for thinking that once you have purchased health insurance and disclosed any pre-existing medical issues, any changes in your health that occur in the future will be covered by your policy. However, this is not always the case.

You should not put any money on this being the case, unfortunately. If your health experiences any kind of change, you are required to get in touch with your insurer as soon as possible under the terms of a clause that is commonly known as a “ongoing obligation of disclosure.”

In light of the new information that has come to light, your insurer will conduct a reevaluation of the terms of your coverage. It is possible that it will decide to make no changes to anything pertaining to your coverage or rates. On the other hand, it may determine that it cannot cover you or alter the conditions under which you are covered, which may include an increase in the premium.

In the worst case scenario, you should receive a refund for any premiums paid, and you should also be able to submit a claim for cancellation if you are forced to reschedule or cancel your vacation because your insurance coverage was cancelled.

Don’t delay

The insurance company has the right to refuse to pay any claim that is related to a change in your health if you did not notify them of the change as soon as it occurred.

What exactly is meant by the term “change in health”?

In medical parlance, a change in health can refer to a wide variety of occurrences, from getting a cold to being told you have diabetes. These are just two examples of what could be considered a change in health.

The requirements that must be disclosed to insurers vary from company to company, and these criteria may also change depending on the type of insurance policy that a customer purchases.

There are some insurance companies that do not require you to keep them up to speed regarding your health unless your physician has advised you not to travel.

Others demand that you inform them if your symptoms have resulted in tests or an investigation by a medical professional, while others anticipate that you will get in touch with them if you have received any kind of medical advise at all. If you have any issues regarding this matter, you need to check the policy wording or get in touch with the insurer.

What should you do if a member of your travelling party or a relative becomes ill?

If certain uninsured parties, such as a relative, close friend, travel companion, business partner, or person with whom you’ve arranged to stay, become ill, the majority of travel insurers will provide some cover for losses if you are forced to change your plans as a result of this. Examples of these uninsured parties include:

There are, however, some slight variances between the criteria that insurers set for when this protection applies. If this is something that concerns you, it is highly recommended that you check the terms and conditions.

Who are the members of a “close family?”

Typically, insurance companies will detail in their policy paperwork which relatives qualify as “near” and are consequently covered by the policy’s provisions. Family members such as spouses, siblings, and parents are included here.

However, the majority of insurers do not include nieces and nephews or uncles and aunts under their definition of covered relatives. In a similar vein, even though many policies cover unmarried partners and in-laws, there is no guarantee that the immediate family of unmarried partners will be covered.

Conditiones préexistentes

If the insurer determines that a pre-existing condition was the root cause of a close friend’s or relative’s illness, then it is quite unlikely that they will pay out any claims that result from that illness.

However, the definition of “pre-existing conditions” will vary from insurer to insurer.

A condition is considered to be “pre-existing” with certain insurance companies if it existed prior to the purchase of the policy, regardless of whether or not the policyholder was aware of the condition at the time. An example of this would be a heart ailment.

Some insurance companies adhere to a more permissive definition of “pre-existing condition,” according to which the policyholder must have been aware of the ailment prior to purchasing the insurance for it to be considered “pre-existing.”

How can I file a complaint with my travel insurance provider?

Do not be afraid to file a claim with your insurance company if you feel as though you have been taken advantage of by an unforeseen clause in your policy when it comes to making a claim.

If at all possible, put it in writing (or send it by email), and make use of the complaints procedure offered by the insurance.

If the insurance company is not helpful in resolving the issue, you can contact the Financial Ombudsman Service at the following number: 0300 123 9123, or you can visit their website.