Things You Need To Know About Medical Travel Insurance

United Kingdom's flag
Europe » United Kingdom
December 12th 2018
Published: December 12th 2018
Edit Blog Post

Medical travel insurance is something which is very important for those who have pre-existing medical conditions and are planning on taking a trip. Medical travel insurance can be quite complicated, so it is important that you know what you are paying for when you choose it from the different insurance companies. Here, we are going to talk you through some of the things that you need to know about medical travel insurance. Keep reading to find out more about this.

Buy It Right Away

You should always do your research and try to find the right travel insurance for you but if you want to be totally covered then you need to buy it right away. There are so many different things that can happen in the lead up to your trip and if you haven’t already purchased your travel insurance and disaster strikes then you won’t be able to make a claim.

Honesty Is Important

Another important thing to know about getting travel insurance is that you need to be honest about your illnesses. For example, you will be adequately covered through the medical travel insurance from if you have been honest about your conditions. If you were to have a heart attack (where you were at greater risk because you have high blood pressure) but you haven’t stated that you have conditions on your insurance policy, then you won’t be able to make a claim.

Single Trip Policies Are Sometimes Cheaper

If you have a pre-existing medical condition you might actually find that it is a lot cheaper to buy a single trip policy. This is not always the case but with medical travel insurance, it can get quite expensive to buy an annual policy. This is why you should always compare prices between the two types of insurance to get the best possible deal and consider how many holidays you need to cover.

Cruises Aren’t Always Covered

If you are planning on going on a cruise on your next trip abroad then you should make sure to look into your travel insurance policy. This is because often cruise ship holidays cost a little more to insure than regular trips. You might need some extended cover for the different aspects of the trip such as itinerary change or unused excursions. Make sure to look at your policy carefully and read the small print if you are going on a cruise.

Don’t Overpay

When you are looking for travel insurance providers who cover for pre-existing health conditions, it can be easy to get convinced into overpaying. Some insurance sites will have many different options that you can choose from ranked from cheapest to most expensive. Of course, it is very rare that you will need all of the benefits that the most expensive medical travel insurance provider will offer you. If you have an existing medical condition and need to seek hospital treatment while you are away, in most cases, it is unlikely that you will hit the maximum allowance in the medium-priced policies. However, travel insurance is something that needs time to be thought about. Cheaper alternatives may be slower to pay than a trusted suppler, who is likely to pay out when needed. Think realistically about what you might need, and you should be able to avoid overpaying.

Final Thoughts

If you are heading off on holiday somewhere soon with some pre-existing medical conditions, then you should make sure that you get the right insurance policy. Think about weighing up the pros and cons of the single trip or annual policies. You should also remember to be honest about your medical conditions if you want to definitely be covered. Follow all of the advice that we have given you here and you should be able to find the right travel insurance.


Tot: 0.589s; Tpl: 0.016s; cc: 9; qc: 48; dbt: 0.0121s; 1; m:saturn w:www (; sld: 1; ; mem: 1.4mb