Other insurers may consider you to be a ‘special risk traveller’ because of your medical condition or history, and this can be daunting when you’re thinking of the next trip away for you or a family member. They may include many different medical conditions within this term, and you need to understand what it means for you when planning to travel.
So what does ‘special risk traveller’ mean?
At the very basic level this means anyone looking to take out holiday insurance that has a pre existing medical condition. The context in which this term is being stated is in relation to people taking out travel insurance.
So what types of condition may require specific medical travel insurance?
Clearly we cannot provide an exhaustive list as potential conditions are almost limitless however; the following are some of a number of popular and required medical conditions which may be able to be covered in specific specialist travel insurance policies:
- Mental health
- Brain (stroke, learning disabilities and more)
- HIV and Aids
- Bowel conditions
- Breathing / respiratory conditions
Age related (not per se a condition but a specific travel type all the same – commonly seen in “over 65, over 75, 85 plus” policies that you may have heard of).
The key piece of information to keep in mind here is not that having a medical condition is going to be a barrier; because it is not likely to be the case but ensuring that your travel insurance covers your specific medical conditions.
If you are unsure as to what, if any conditions you may have that need to be specifically looked at with regards to travel insurance simply:
- Ask your doctor – when going abroad it’s always worth checking with your GP if you need any injections, tablets or specific health advice to bear in mind when travelling (this advice can be specific to you as well as the country/region you are travelling to)
- Speak to a specialist travel insurance company who have expertise in the medical conditions travel niche
Most importantly make sure you take out specialist travel insurance as soon as you have booked your holiday.