It’s important to buy travel insurance when planning a trip. Policies cover things like medical costs, equipment and cancellations. It means that if something happens during your trip, like you become ill or get injured, you will have the support you need and you can claim some of the costs.
The more things the policy covers, the more expensive it is. Some people find that the cost is higher to cover certain health conditions.
It’s against the law for a company to refuse to insure you or offer worse terms because you’re disabled. But they can charge you more or apply special conditions if they believe you’re at a higher risk of making a claim.
Warning Buy insurance as soon as you book
Buy travel insurance as soon as you book your trip so that you’re covered if anything happens before you go.
If you’re booking your trip through an agency or broker, you can usually buy your insurance at the same time.
Questions you might be asked
You may need to answer personal questions about your medical history to get a quote. Depending on your condition or impairment, the insurer may ask about your medical history, such as:
prescription medication you take
mobility equipment you use
any hospital admissions or surgery in recent years
ongoing or planned treatment
any tests or results you’re waiting on
relapses or a decline in your health
You may need to contact your doctor if there are questions you cannot answer.
The insurer might use a language you’re not familiar with. Ask as many questions as you need until you’re sure you understand each other clearly.
You will need to provide details of any conditions you have to get a quote. It’s important to be honest, even about things you think are small. They may call or email you for more details.
Some insurance companies specialise in helping people with pre-existing conditions. These specialist insurers may be more familiar with your condition and able to give you a better price. These include:
You can also use an insurance broker who will shop around for quotes for you. You may have to pay extra for this service. Remember that you know your condition best, and which company you use and what your policy covers is still your decision.
If you’re travelling with family or friends, group policies are based on the person the insurer believes is the highest risk. This could be the oldest person in the group or someone with pre-existing conditions. It may be cheaper to buy separate policies.
Check the excess
The excess is the maximum amount of money you will have to pay if you make a claim. The insurer should pay the rest. If what you need to pay is lower than the excess, you will not get any money from the insurer.
Companies may set different excess amounts.
For example, the insurer says they will cover you for costs of up to £1 million in medical fees on a trip in Europe. The excess is £250.
This means that you pay for anything up to £250 if you need emergency medical treatment on your trip. The insurer will cover the rest.
Read the terms and conditions
Always read the terms and conditions before you buy. You may find a list of things that are not included in your policy.
Tell your insurer about changes
Once you buy travel insurance, you must tell the insurer if there are any changes in your health or condition. They may ask you for a letter from a healthcare professional to show that you’re still fit to travel.