Getting the right travel insurance with pre-existing medical conditions

When you have pre-existing medical conditions, it’s important to make sure your holiday insurance covers you properly.

Emergency treatment abroad can be costly, so when it comes to insurance it’s worth doing right.

With our tailored policies, you won’t just get good value – you’ll be able to travel with peace of mind.

Find out more about why we’re the Most Trusted Travel Insurance Provider by Moneywise 2018 and talk to us on 0800 033 4902 or get a quote online in minutes.

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Travel insurance for pre-existing medical conditions

Here are a few of the most common conditions we cover:

You can choose cover for pre-existing medical conditions across all our policies. We’ll just ask you a few questions about your conditions either online or over the phone to start tailoring your policy.

To see if we can help you, why not call now for free on 0800 033 4902?

Travel Insurance for People With Pre-Existing Medical Conditions. Stethoscope With Red Heart.Why do I need travel insurance to cover pre-existing conditions?

Without the right level of cover, if you have a medical emergency while on holiday, you may not be fully covered.

We don’t think it’s worth the risk, especially with some emergency costs abroad being very high.

Even when there is a two-way health agreement, the degree of free healthcare is usually limited. For example an air ambulance from Spain back to the UK can cost more than £10,000 in some instances.

It’s worth having peace of mind, knowing that your pre-existing medical conditions are covered with your travel insurance.

Holiday insurance while on a waiting list for surgery or awaiting test results

Unlike many insurers, we can offer you cover for medical assistance and repatriation claims if you’re awaiting certain types of surgeries.

But it’s important to make sure you declare these when booking your policy*.

Also, while we will be able to provide a more appropriate quote if your pre-existing medical condition has been fully diagnosed and declared, we will still consider you for cover if you are awaiting test results.

For more information on getting medical holiday insurance while awaiting surgery or test results, and for a full list of the types of surgical procedure that can be covered, please see our awaiting surgery page.

If you have any questions about these or other aspects of medical travel insurance, we’re always glad to help: please call our customer service team on 0800 033 4902.

Do I need a medical certificate to take out travel insurance?

No, you don’t need a medical certificate to get a policy. But you must not be travelling against the advice of your doctors or consultants.

Although you must be registered with a GP so that we can consult and confirm your case in the event of a claim.

When you apply, you simply need to make a declaration about any pre-existing medical conditions you have. This can be done over the phone or online, depending on how you make your application.

If you have no medical conditions, then you will simply receive a Validation Certificate.

If you, or anyone you are booking travel insurance for has one or more medical conditions, then we will provide you with a Medical Endorsement reflecting this. It is important that you check this is accurate before you begin your period of insurance cover.

What happens if I develop a medical condition after I have bought my policy?

It’s important that you tell us about any changes to your health or medical conditions, even after you have purchased your policy.

These changes may mean an additional premium or a variation of the cover provided is needed.

In some exceptional circumstances it may lead to your cover being withdrawn. Please call our Customer Services team on 0800 033 4902 to notify us of any changes.

What happens if I need treatment abroad?

If you are taken to hospital as an emergency by ambulance or other emergency service, you will need to make sure that you or a travelling companion call us within 48 hours.

For non-urgent medical help – for instance if you need to see a Doctor, or need to go to Accident & Emergency or a clinic – you should call us first. This way we may be able to help you locate the safest and most appropriate source of treatment. We can also help to act as a translator if your medical team don’t speak English.

In either case you may reverse the call charges, or ask to be called back.

We are not able to provide cover if you’re travelling with the intention of getting medical treatment, tests or consultation abroad.

What does it mean if a medical condition is ‘excluded’?

This means that your Staysure policy does not insure you for any claim that relates, either directly or indirectly to the ‘excluded’ medical conditions.  However, cover remains in place for any other unrelated insurance claim.

Do I need travel insurance if I have an EHIC?

The NHS recommends that people have both a travel insurance policy and a free European Health Insurance Card (EHIC).

The EHIC entitles you to free or reduced cost medical care within the European Economic Area and Switzerland. We strongly recommend that you apply for an EHIC if you don’t already have one. It could even save you the excess if you make a medical claim with us.

The EHIC should not be considered a replacement for quality travel insurance, as it does not provide any cover for:

  • Medical treatment outside the EEA and Switzerland (please note: Turkey is not a current member of the EEA)
  • Extra travel and accommodation costs due to illness
  • Costs associated with rescue and repatriation
  • Lost or stolen property such as passports, baggage or precious items
  • Losses from trip cancellation, curtailment and interruption

What are the top features of Staysure’s travel insurance?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

Whether you plan on going on a short trip to the UK, or a worldwide tour, we’ve got the right policy to help give you peace of mind.

If you’re planning just the one trip, then our Single Trip Travel Insurance could be the right choice for you. But if you’ve got an exciting year ahead, then our Annual Multi-Trip policy will keep you covered for a whole year.

Take a look at our policy documents for a more detailed look at the level of cover we offer.

What will I be asked when I apply for insurance with a pre-existing medical condition?

A medical screening process is a set of questions we ask about your health and medical history.

Declaring all of your pre-existing conditions fully in the medical screening process is vital. Failing to do so may result in you not being covered should you need to make a claim.

With our simple and easy process, you can complete it over the phone or online in a matter of minutes.

Complete our simple medical screening online in minutes or by calling free on 0800 033 4902.

You should have to hand:

  • The names of any medical conditions you have
  • The names and dosages of any medication you currently take
  • Medical history documents to help with questions relating to dates

Get your travel insurance for pre-existing medical conditions today

If you have any questions about medical travel insurance, our specialists will gladly help – simply call free on 0800 033 4902 or get an online quote in minutes.

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* You will not be covered to claim for cancellation or curtailment if this is due to a condition that you are awaiting surgery for that you have not declared.