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How do I Choose the Right Travel Medical Insurance?

Travel medical insurance enables you to travel if you have a pre-existing medical condition. Whether that is a holiday, a weekend break or a trip to visit friends and family, we believe that everyone should be free from travel without the risk of being under-insured while you are out there.

However, it can be quite a challenge to know whether you are comparing like for like when you are looking to buy travel insurance. This is especially true when additional key comparison details come into play. We’ve put together some guidance to ensure that you are free to travel without any nagging doubts that you are exposed to risk.


Tips to Help You Choose Your Travel Insurance

A key area to consider is whether your specific needs – including medical conditions – rule out many of the general travel insurance providers. If so, you can immediately refine your search to specialist medical insurance companies who are tailored towards delivering this type of policy.

Next, think about the travelling itself – are you planning to travel multiple times within a 12 month period or just the once? This is important, as it will determine whether a single trip or annual multi-trip policy would be the best value for you. Be careful to select the option that covers all your travel plans.


Which type do I need?

For example, if you are about to book some European adventures, it would be sufficient to select a European Insurance policy. However, if you think that a trip further afield is on the cards, one of our worldwide policies will cover all of your trips for that year.

Depending on the type of medical condition that you have you may be able to opt for a specific type of medical travel insurance policy which covers your condition, for example, epilepsy travel insurance, angina travel insurance and even age-specific travel policies (for the over 50’s, 60’s, 70’s etc).

Other areas to keep in mind (and these apply to all types of travel policies) include; keeping close attention to the levels of excess stated in the policy, reading the policy wording closely and reviewing any specific exclusions that are not covered.

Taking the trip of a lifetime

If you are planning to take an extended trip (max 94 days on Single Trip policies), there are many things to take into consideration such as mobility factors, health provision, securing competitive money rates, planning activities and accommodation. A Free Spirit policy can ensure that insurance is one less thing to worry about in the build-up to your trip.

Do you like to hit the slopes? No need to stop now!

With our specialist travel insurance, you can still enjoy winter sports too. We have no upper age limit and can cover most medical conditions, meaning that you do not have to give up hitting the slopes just yet!

Before booking your holiday you just need to make sure that you are ‘fit to travel’ (as confirmed by your medical practitioner) and also ‘fit to take part’ in the activity. It is not unusual to contact your GP before travelling to ensure there is no cause for concern over your trip.

While we try to keep things as straightforward as possible, choosing the right travel insurance can still be complicated. If there is anything you are unsure of, please feel free to give us a call on 02392 419 080, or you could ask our specialist travel insurance expert, Mary Holt.

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