If you make up one of the 50% of the UK population to have a medical condition that you take regular prescribed medication for, you may have some questions about how this affects your travel insurance; AllSafe has the answers!
You may have heard the term pre-existing medical condition, especially if you’ve tried to get travel insurance in the past; simply put, a pre-existing medical condition is a condition which has been previously diagnosed, investigated or treated in anyway, and at any time before you travel. As you can imagine, this affects a lot of people.
It’s important to discuss any medical condition that you have with your insurer or broker, even if your condition is very mild or fully controlled by medication. If your insurer doesn’t know about your full medical history it may mean that you’re not fully protected in the event that you need to make a claim.
Declaring your medical condition may not always mean an increase in the price you pay, but if you become unwell while you’re away, it could cost you tens of thousands of pounds for medical help – so why risk it?
You’ll be asked a number of questions by your insurance provider, if you answer these honestly you shouldn’t have any problems finding the right cover for you, but don’t be caught out - there are medical conditions that you may not have thought to declare.
Mental health issues, including depression and anxiety should be discussed with your insurance provider if you’ve received a diagnosis from a medical professional; even if you’re not having treatment at the moment.
Diet controlled diabetes should also be declared, while medication isn’t taken it can still cause complications if not managed correctly, putting you at risk on holiday if you become unwell.
Asthma is another condition that is often forgotten about during screening, especially if you don’t need regular medication or suffer frequent attacks.
Be sure to discuss your full medical history with your insurance provider, if you’re arranging your travel insurance for your travelling party, you’ll need to have an open and honest conversation with them about their health before buying the policy – not knowing is no excuse! Here at AllSafe we’re confident that we can find you a policy to suit your needs, so you can sit back and relax your holiday. Get a quote today to find out what we can offer you!
There may be occasions where you can’t find travel insurance easily because of serious or complex medical needs. Don’t worry it shouldn’t stop you travelling, but it does mean that you might need a specialist medical travel insurer, like our sister insurance provider, MIA.
MIA stands for Making Insurance Accessible and if you’ve struggled to get insurance in the past, you’ll know how important this can be. MIA’s aim is to provide flexible specialist cover, at a competitive price.
To achieve this MIA has two insurance products: one is for customers who have serious or multiple medical conditions, this includes secondary cancers and terminal prognosis; as long as a doctor deems you fit to travel. The second is designed for customers with mild or no conditions at all.
This is especially important if members of your travelling party don’t need specialist cover, but do want the peace of mind of being covered should the policy be cancelled or cut short due to medical reasons.
MIA’s flexibility means that you can find a policy to suit every need, at a price to suit your budget! If you’d like to find out more visit the MIA website.
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