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What happens if I need to make a claim?

My advice is to take your insurance documents with you on your trip. That way you have the policy number and contact details of the emergency assistance company to hand should you need help whilst you are away.

If you do need to make a claim, contact your insurer as soon as you can. Remember too that if you need medical treatment while abroad, you should contact the emergency assistance number shown on your policy.

The insurer may require evidence to support your claim, for example, if you cancel your holiday due to ill health, your GP will have to complete a medical form.

If you are hospitalised abroad, the emergency assistance company will need to make contact with your GP to check your medical history. They will need to check this against what you have declared when you purchased your policy.

When should I take out cover?

You should arrange insurance as soon as possible after you have booked your trip. This will ensure you will be covered for cancellation. If your condition changes after you have taken out cover, check your policy wording to see if you need to tell the insurer – most will require you to do this.

If you have an Annual policy, you may have to contact the insurer each time you book a trip to declare your medical condition(s).

I am travelling with a family member who does not have a medical condition. Should they be insured on my policy?

I always recommend that all travellers are insured on the same travel insurance policy. This will ensure there are no gaps in cover that could arise if separate policies are purchased. For example, if you had to cancel your holiday due to your medical condition, your travelling companions on the same policy would also be covered for cancellation, which may not be the case if they had taken out cover elsewhere.

Can I get travel insurance if my medical condition is terminal?

There are a few specialist providers, such as Free Spirit, that can provide cover for people with terminal or life limiting conditions. Cover is normally only available by contacting the travel insurance company by telephone as each enquiry is individually assessed. In some cases, you may be asked to obtain a letter from your doctor.

What information do I need to provide to ensure I am covered?

Different insurers will ask a variety of questions although many use the same medical screening system. However, it is a good idea to make sure that you have your full medical history to hand when applying for a quote. For example, you may be asked to declare the following:

  • Respiratory conditions (relating to the lungs or breathing)
  • Any heart, circulatory, kidney, liver, any condition relating to the pancreas e.g. diabetes, cerebral condition (relating to the brain)
  • Any stroke or central nervous system disorder
  • Any cancer that has been diagnosed or treated

My advice is to make sure that you tell the insurer everything – don’t hold anything back!

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