Travel Insurance
Most standard holiday company insurance policies will not cover pre-existing medical conditions. However there are specialist insurance companies that will do so.
Prior to applying for travel insurance you should contact your doctor for written permission as most insurance companies will not provide coverage if you are travelling against your doctor’s orders. The insurance company will usually ask you to go through a medical screening process.
Always disclose any pre existing medical conditions. Failure to do so could invalidate any subsequent claim.
From the 1st January 2006 the EHIC can be used to cover any necessary medical treatment due to either an accident or illness. If you are a UK resident, you are entitled to medical treatment that becomes necessary, at reduced cost or sometimes free, when temporarily visiting a European Union (EU) country, Iceland, Liechtenstein, Norway or Switzerland. Only treatment provided under the state scheme is covered.
However, to obtain treatment you will need to take a European Health Insurance Card (EHIC) with you.
For more information visit: EHIC or call 0845 605 0707.
Travel Insurance Guide
A new guide providing free and unbiased information has been designed to help people save money and make the process of choosing travel insurance as easy as possible.
This impartial guide compares all insurance providers in the UK in one place and advice on types of insurance (including policies for travellers with special needs, such as over 50's, extreme sports etc.) as well as factors that should be considered when looking for an insurance policy.
The guide producers are working with the Foreign & Commonwealth Office as part of their 'Know Before You Go' Campaign to provide travellers with credible information and help them be better prepared for overseas trips.
www.travelinsuranceguide.org.uk
Below is a list of specialist travel insurance providers that have contacted us to pass on their details to you.
Able2Travel
We arrange specialist travel insurance products for all travellers to offer high quality cover at very competitive prices. If you are someone with an existing health condition who may be having difficulty finding suitable cover for your condition then we can help you to find the travel insurance protection most appropriate to your needs.
Tel: 0845 839 9345 Email: insure@able2travel.com
Age UK Travel Insurance
(Age Concern & Help the Aged are now called Age UK). Older travellers generally‚ and more particularly‚ those who have medical conditions‚ find it more difficult to obtain the travel insurance they need. That's why Age UK Travel Insurance has no upper age limit and will cover pre-existing medical conditions wherever possible.
www.ageuk.org.uk/buy/age-uk-travel-insurance/
Tel: 0845 600 3348 (quote ref: ALL 721) Email: Use contact form on website
AllClear
AllClear Travel provides medical travel insurance for people with pre-existing medical conditions who find difficulty in getting travel insurance elsewhere, whether it's because of medical conditions, disability or age. Specialist holiday insurance for worldwide destinations.
Tel: 0845 250 5200 Email: info@allcleartravel.co.uk
Diabetes UK Insurance Services
Having received many enquiries from people who, as a result of having diabetes, had trouble getting some insurance products - particularly travel or life insurance - at a reasonable cost, if able to get cover at all...resulted in the creation of our insurance services.
Tel: 0800 731 7431
Email: diabetes@heathlambert.com
En Route Insurance
As a disabled traveller you may have difficulty finding companies to actually cover you and your holiday. Invariably, companies do not even quote if they find out you have a pre-existing medical condition.
We realise you need travel insurance just as much as anybody else - so we provide the cover you need. Our travel insurance products are available in Single Trip or Annual policy form which means you get cover flexible enough to fit in with your travel plans.
We offer instant cover and you don't have to complete any forms.
Tel: 0800 783 7245 Email: info@enrouteinsurance.co.uk
Free Spirit
Providing cover for people with pre-existing medical conditions is what Free Spirit is all about. Free Spirit was the first scheme of its type specifically dedicated to those being declined cover elsewhere due to their health. It is now one of the UK's largest specialist travel insurance schemes for people with pre-existing medical conditions and disabilities.
Tel: 0845 230 5000 Email: freespirit@pjhayman.com
Good To Go Insurance
Goodtogoinsurance.com provides travel insurance with cover for medical conditions for travellers of any age. We can also cover your travelling companions on the same policy.
http://www.goodtogoinsurance.com/
Tel: 0844 334 0160 Email: feedback@goodtogoinsurance.com
Holiday Services
At Holiday Services we pride ourselves in providing a comprehensive range of services to meet all your travel needs. Covering everything from Single trip to annual policies, Skiing, golfing and other sports & holiday activities.
Experts in securing Policies for the Over 65s or policies for those with pre-existing medical conditions.
Tel: 01623 557592 Email: info@holidayservices.org.uk
InsureForAll
If you are over 65, we specialise in providing travel insurance for you.
Sometimes, finding a quote for travel insurance if you are over 65 can be frustrating, and time consuming. Many companies, especially on the internet, don't offer this protection to over 65s or senior citizens. We actually specialise in senior citizen travel insurance and would like to offer you cover, and you'll get a decision in seconds with our fast online quote system.
Tel: 0845 8800694 Email: Use contact form on website
MS Society Insurance Services
For people living with a medical condition such as MS, finding the right insurance protection can often be difficult. Multiple Sclerosis Society Insurance Services provides a range of insurance products and financial services that have been developed for people living with MS.
Tel: 0800 783 3157 Email: mssociety@heathlambert.com
Staysure
Low cost comprehensive travel insurance for over 50's covering over 250 pre-existing illnesses for no extra cost up to age 80. We also have policies covering up to 85 years! With the best value for money, simple online quote and instant purchase facility - can you afford not to?
Tel: 0845 908 5886 Email: Use contact form on website
The Stroke Association Insurance Services
Having a stroke can affect your chances of getting comprehensive insurance cover, or the cost of your premiums could be much higher than average. So for stroke survivors, finding suitable insurance protection at affordable prices isn't always easy.
Tel: 01603 828 396
Email: stroke@heathlambert.com
Travelbility
Travel insurance you can trust...
Travelbility is travel insurance especially created for people who are disabled and those with pre-existing medical conditions. It provides great value European and Worldwide cover, as a single trip or annual multi-trip policy.
Tel: 0845 338 1638 Email: enquiries@travelbility.co.uk
Unique Insurance Services
Unique Insurance Services provides a range of insurance products that have been developed for people living with a heart condition and for their families, carers and supporters of various charities - Alzheimer's Society, Anticoagulation Europe, ASBAH, Asthma UK, British Cardiac Patients Association, British Lung Foundation, British Polio Fellowship, Coeliac UK, Cystic Fibrosis Trust, Dystonia Society, East Anglia's Children's Hospices, MedicAlert, Mencap, MS Trust, Muscular Dystrophy Campaign, Myasthenia Gravis Association, National Autistic Society.
Visit various charities websites or -
Tel: 01603 828210 Email: unique@heathlambert.com
Further Information
Directgov
More information about arranging travel insurance if you are a disabled person can be found on the Directgov website.
www.direct.gov.uk/en/DisabledPeople/TravelHolidaysAndBreaks/PlanningATrip/DG_4018312
(Last Updated: 11-08-2010)