We specialise in providing Travel Insurance with medical conditions.
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You can get Travel Insurance with medical conditions if you buy cover from a specialist Travel Insurance provider like AllClear. Some providers will only cover you for medical emergencies that are unrelated to any pre-existing conditions. So if you’ve had a hospital appointment, visited a GP or taken any medication for a medical condition in the last two years, you’ll need specialist Travel Insurance for your medical conditions.
What is medical travel insurance, and why do you need it?
You can still get Travel Insurance if you’re living with medical conditions, but you’ll need a specialist policy.
Standard Travel Insurance excludes cover for your existing medical conditions.
Specialist Medical Travel Insurance covers you for all the medical conditions you declare.
What would your specialist medical Travel Insurance policy cover?
As well as covering cancellation and baggage, a specialist policy covers medical expenses, including if you need medical treatment for your existing medical conditions while you’re away.
Which medical conditions do you need to declare for your Travel Insurance?
A medical condition is anything you’re having treatment for or are taking medication for.
All Clear is a specialist medical Travel Insurance provider.
We have covered more than 1,300 different medical conditions.
If you don’t declare your medical conditions, your policy could be voided.
Without Medical Travel Insurance, medical costs abroad can be very expensive.
Example costs of treatment for heart attack.
How do you get quotes for Travel Insurance with medical conditions?
You can get quotes for Medical Travel insurance with AllClear.
Just pop in a few details about your trip and answer the screening questions.
A set of simple questions that we ask about your medical conditions to individualise your policy.
We may ask what treatment you’re having or your prescribed medication. Don’t worry, we don’t need to know the specific names of any medication.
Once you’ve sorted your Medical Travel Insurance, you can focus on enjoying your holiday. All medical conditions. All ages. All destinations.
Get a quote at AllClearTravel.co.uk or call 0800 640 4839
Emergency medical treatment abroad can cost more than you think. That’s why medical cover should be your number one priority when looking for Travel Insurance.
It covers emergency medical costs including hospital charges and ambulance fees. It also covers repatriation (medical transport back home) if needed.
Medical Travel Insurance gives you four key benefits in addition to those provided by standard Travel Insurance:
With a standard policy, you would need to pay for costs incurred due to your pre-existing conditions, which can easily reach thousands of pounds very quickly.
According to FCDO figures, if you were to fall over in Spain and require treatment for a broken leg, you would be looking at costs of around £15,000. Even minor ailments such as an infection or stomach bug in the USA could cost you £100, 000 if you require flights home. Real customer claims we’ve paid out include; £21,587 for a fractured femur in Italy and £179,391 for pneumonia in Spain.
Clinical Nurse Specialist, Kay Greveson explains more: “People often do not realise the cost of medical emergencies abroad. It’s natural that people believe it won’t happen to them, but even the most well-managed conditions need to be covered, in case the unexpected happens.”
Sheila has been with AllClear since 2015. When the couple visited their holiday home in Portugal, her husband was taken ill, she found out the true importance of having Specialist Medical Travel Insurance.
“When my husband fell seriously ill, he was suddenly taken to hospital in Portugal so you can imagine how traumatised I was. I rang AllClear and they were absolutely fantastic. They arranged for the air ambulance to come and collect him, the doctor and nurse came to the hospital to meet us and they actually escorted him all the way home to Newcastle, even taking him into the hospital to make sure everything was OK. It was amazing and meant so much to me.”
A pre-existing medical condition is any illness or injury you have before you buy your Travel Insurance. It could be an ongoing condition, or one you have been treated for in the past. As part of the quote process, we’ll guide you through any relevant questions that may apply. We can then make sure you’re covered if you have a medical emergency abroad.
“People often underestimate just how important it is to let us know about their medical conditions. Even if something is minor and controlled at home, changes in climate can affect it. Declaring all your pre-existing conditions helps make sure you have the right cover. With comprehensive cover you can travel with peace of mind, even if the unexpected happens while you’re away.”
Letitia Smith MSc, Travel Insurance expert
As part of the quote process, we ask you to declare any conditions that fall within the medical warranty. This is an important part of our medical screening for Travel Insurance. But you may wonder if there are any conditions you don’t need to declare.
If you’ve had a cold or flu, but didn’t need to see a doctor or take any prescribed medication, then you don’t need to tell us about it. We also don’t need to know about a complication-free pregnancy or any contraception prescriptions.
Travel Insurance offers financial protection for specific problems you might face on holiday. The medical section of your policy covers the cost of medical care if you become ill or have an accident.
Without Medical Travel Insurance, you’d be liable for any expenses resulting from an unexpected medical emergency when travelling. This means the cost of the ambulance, any doctor’s appointments and any surgeries you might need. Also, the cost of any medication that’s needed to treat you. These expenses can quickly build up and be in the thousands, if not tens of thousands, of pounds.
Here we explain how you would make a claim.
If you need emergency medical care while abroad:
For full instructions on how to claim, please read our How To Claim page .
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