Travel Insurance with Medical Conditions

Find your ideal medical travel insurance policy

Struggling to get travel insurance based on your medical history? Or perhaps you’re looking for a better deal?

In this one stop guide, we explain:

• Why you need specialist travel insurance
• How you can get the cover you need and travel stress free

• All medical conditions considered
• 24-hour medical emergency helpline
• Up to unlimited medical emergency expenses cover
• Up to $1,000 “medical inconvenience” benefit for when you are in hospital as an in-patient
• No age limit on AllClear Gold and Gold Plus policies
• Cancellation cover up to unlimited costs
• Personal belongings cover of up to $10,000

We’re pleased to state all these figures are per person and per trip.

All policies are not made equal

When comparing policies, look beyond the prices and pay close attention to what you’re actually covered for.

Here’s why.

While cheaper priced policies may seem attractive, it can be a false economy.

You should check the cover levels and the excesses you may need to pay if you make a claim. 

Before you buy the policy, ask yourself questions like:

Will I be bringing expensive personal belongings?

• Check the baggage cover limits.
  

Will I be carrying a relatively large amount of foreign currency?

• Check the personal property cover limits
  

Will I be taking part in winter sports?

• Make sure you include our Winter Sports optional extra!
  

Am I covered if need to cancel?

• Check your holiday price is not more expensive than the standard payout offered

This checklist will help you decide what cover is right for you and best fits your needs.

Your medical emergency assistance cover is the most important part of any medical travel insurance policy.

It will take care of any treatment costs and pay for you to go home in case of an emergency (repatriation). It can also cover a friend or relative flying out to support you if you have to be accompanied home for medical reasons.

Healthcare at your destination: Top 5 things to think about

One of the benefits of comprehensive travel insurance is the peace of mind that should the unthinkable happen, your medical treatment will be taken care of.

However, the quality of care is only as good as the medical infrastructure of the country you are visiting.

This in many cases can present a challenge. There are huge variations in the level of healthcare offered around the world which you may wish to consider when planning your trip. 

Consider the following:

1. What is the availability and affordability of private healthcare?

2. Does the country offer you a free healthcare system?

3. Is English widely spoken in hospitals?  

4. Are there any specific health risks or diseases associated with the destination? If so, what vaccinations are required?   

5. Travelling to a rural area? Where is the nearest hospital?

 

How the cost of your medical travel insurance is calculated

The price of your policy is calculated based on age, destination, the length of your trip, and the medical conditions you have declared. The answers you give to the medical screening questions will reflect the level of cover you require.

The price of your policy depends not only on your health, but also on how expensive healthcare is at your destination. For example, Spain, the United States and Canada are among the more expensive countries to receive medical treatment.

The medical screening process

This is a set of simple questions about your health. It will let you determine your conditions and make sure you get the right level of cover.

Making sure you are ‘Fit to travel’

You need to be verbally confirmed as fit to travel (fit to fly) to get a quote. If you need to make a claim, the underwriter may ask for your GP to provide this in writing. However, we do not require this for you to buy a policy. 

What counts as a pre-existing medical condition

Let’s help you understand the definition of a pre existing medical condition within the insurance world…

When you get a quote on AllClear, a pre-existing medical condition is:

• Any condition for which you have received treatment, including:

Respiratory conditions (relating to the lungs or breathing). Any heart, kidney, liver, circulatory or brain condition.

Psychological conditions, including anxiety, stress and depression.

Strokes or central nervous system disorders.

Cancerous conditions.

Terminal conditions.

• All condition for which you have undergone surgery, in or out-patient treatment, tests or investigations in a hospital, clinic or GP surgery within the last 24 months
• Or any condition for which you have been prescribed medication in the last 2 years

You may think that your condition is not important or relevant.

Think again.

You’ll need to make sure your insurance provider knows about any medical conditions you have which fall within the medical warranty – so you are fully covered.

Find peace of mind for your future trips by starting a quote today.