Pre-Existing Medical Conditions Travel Insurance
Everyone travelling abroad is well advised to take out travel insurance. We all know that makes sense, and for most people the cost involved is well worth the peace of mind such insurance cover brings. For a number of people they benefit from no cost or low cost cover, possibly without realizing that it’s there. Some banks and building societies offer this to their current account customers,
However, for people with pre-existing medical conditions the picture can be somewhat different because their medical history has to be declared. This normally results in sky high premiums being demanded, as I found out, way out of proportion to the actual greater risks carried by the insurer. In other words, the excessive premiums demanded mean people with existing medical conditions just can’t afford to travel abroad, which is such a great shame.
All is not lost, however. There are a (very) few insurance companies that take a very different approach to such cases and although they still need to be told about any previous or current medical details they are very much more realistic about premiums.
After several days spent “shopping around” online and researching other peoples experiences I eventually found World First, who charged under £100 for both me and my wife for a joint annual multi trip policy, which I found to be seriously cheaper than other companies. When I tell you that my (declared) pre-existing medical conditions included a Stroke AND Prostate Cancer, you can then determine how affordable that premium appeared to us both. Luckily we have not had to claim from the policy so I can’t comment on how they handle claims, but remain thankful for their realistic approach to people like myself.