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Why should I take out specialist travel insurance?

So you have a medical condition; why should that stop you from travelling be it a holiday, a weekend break or visiting family and friends.

However, you need to ensure that the travel insurance policy you buy covers yours medical condition.

You will find a wide range of travel insurance policies online including on price comparison sites. However be careful when shopping around as you need to check that the policy gives you the cover you need and doesn’t simply exclude all pre-existing medical conditions.

The consequences of buying a policy without the necessary medical conditions cover could be serious, as in the event of an accident or illness the insurer could decline your medical expenses claim and leave you severely out of pocket.

Fortunately there are a number of specialist travel insurance providers offering cover for people with medical conditions to give you that peace of mind and protection you need when travelling.

Two other points to bear in mind:

Firstly, take out a policy as soon as you book your holiday or trip, that way you will be immediately protected if you need to cancel your holiday (terms and conditions apply of course so do check the policy wording for what is covered and is not covered under Cancellation).

Secondly, it’s important if you have a chosen a specialist travel insurance policy that all people to be insured are covered under the same policy. Fortunately, most specialist policies will allow you to cover people without medical conditions as well which means your whole party can be fully covered.

Above all have a great holiday where ever you go!

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