Cheapest travel insurance with medical conditions

Finding travel insurance if you have a medical condition can be difficult; however, there are ways to find an affordable deal that's right for you.

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Sadly, insurance companies don’t see holidays and big travel expeditions as exciting and thrilling occasions. While you might be filled with a sense of adventure, your insurance provider will only be thinking about risk and profit.

Unfortunately, if you have a pre-existing medical condition, insurance providers might hike your prices or even refuse to offer you a deal depending on your ailment or injury.

Yet there are ways you can bring those pesky insurance costs down – even with a medical condition.

What’s the cheapest type of policy?

When it comes to buying travel insurance, you’ll be able to find comprehensive and pricey policies that will cover you for more risks and offer bigger payouts. If you’re buying insurance on a budget though, you’ll want the cheapest deal. It will probably look something like this:

  • Less cover. A really basic travel insurance policy might not cover the same risks, or it will pay out far less for claims. For example, a comprehensive travel insurance deal might compensate you for unlimited medical costs, while the basic policy will only pay out £2 million.
  • Europe only. You have to pay more to get worldwide cover if you’re going to places like North America or the Caribbean. Healthcare is expensive there, which could mean higher costs for your insurer.
  • Annual trip policies. If you’re going on more than one trip away this year, an annual policy generally works out as cheaper. Likewise, a single-trip deal is better value for money if you’re doing just one trip.

When does it makes sense to buy the cheapest travel insurance with a medical condition?

The most obvious reason is if you don’t have the money to spend on really expensive travel insurance. However, this isn’t the only reason.

There are a few other factors that will determine whether you want a cheaper policy or a more comprehensive deal. Mainly, it will depend on where you’re going, what you’re taking with you and how many times you’re going away this year.

What affects the cost of travel insurance?

There are a number of factors that make travel insurance more expensive, such as the following:

  • Age
  • Health
  • How many people are on the policy
  • The age and health of other people listed on the insurance
  • Country you’re visiting

How can I lower my travel insurance rates?

The following are some of the ways you can lower your insurance premiums:

  • Only pay for the cover you need. Resist adding optional extras unless you’ve decided you need them.
  • Don’t double-up on travel insurance. You may already have travel insurance cover if you have a packaged bank account, so call your bank to ask and tell it about your condition. It might agree to cover you.
  • Avoid travel agents. When buying a holiday through a travel agent, don’t immediately buy insurance with them as well. Shop around and get some quotes since their deal might be pricey and not suited to your needs.
  • Turn to an insurance broker. A specialist insurance broker could help if you’re still struggling to find cover after using comparison websites. You can use the British Insurance Brokers’ Association to find one.
  • Annual policy. Going away more than just once this year? Taking out an annual policy is generally cheaper.
  • Take your EHIC card. This handy health card offers you access to state-provided healthcare at the price locals pay in the EU as well as in countries such as Switzerland, Iceland and Norway. You will still need travel insurance to protect yourself from cancellations, lost baggage and stolen cash though.

What happens if you don’t declare a pre-existing medical condition?

Unfortunately, many travel insurance policies will refuse to protect anyone who has a serious pre-existing medical condition such as diabetes, cancer or heart disease.

It’s vital that you’re honest and upfront about any pre-existing condition when applying for travel insurance as the insurer could well refuse to pay out should you need treatment for your condition abroad.

Given ambulance and hospital bills can costs thousands upon thousands of pounds in countries around the world, it’s vital you try to get cover. Otherwise, you might be paying for your trip for years to come. Depending on your condition, here is how the insurer might respond:

    • Offer you a standard insurance policy despite your condition.
    • Offer you insurance but at a much higher price.
    • Refuse to insure you completely.
    • Hit you with certain restrictions, exclusions, special terms or higher excess payments.

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