If you want to travel yet have a pre-existing medical condition, you may be worried about holiday insurance you can or should buy. Travel insurance is a must, even with GHIC cards replacing the old EHIC cards of pre-Brexit days. However, if you are drawing an income from pensions, you may not have as much financial freedom as you once did. If you are trying to minimise your outgoings, the expense of travel insurance when you have a medical condition - like Alzheimer's, for example - can seem like a step too far.
But your fun need not be curtailed by the cost of travel insurance. Travel Insurance 4 Medical has tried to set itself apart from much of the market by specialising in providing cover for people who have medical conditions but don't want to be held back by them. The company offers full medical screening online or with one of their operators at their call centre.
Importantly, they cover thousands of conditions and can even offer instant cover wherever you are going. It's also possible to get cover for specific types of trips, like a winter sports holiday or cruise travel. They don't just offer one-off single-trip travel insurance. As a result, the company provides a complete and exemplary service to those that may otherwise find getting travel insurance a hassle.
At the time of writing, Travel Insurance 4 Medical has a near five-star TrustPilot rating, so let's delve into what you get for your money.
Types of travel insurance policy
If you're looking at getting travel insurance, it's good to know what type of policy you can get, as this can impact the cost of your policy. For example, single-trip policies are usually cheaper than annual multi-trip policies, all else otherwise being equal. However, buying a multi-trip policy could be more affordable if you intend to travel a lot. The type of policy you buy will depend on how much coverage you want for your medical conditions and other issues you could experience when abroad. For instance, many people want to be covered for:
- Trip cancellation
- Lost luggage
- Your belongings being stolen or lost
Single trip cover can be up to 171 days long for travellers aged 70 or below. If you're over 70, you can get coverage for 31 days. The company may offer you cover for longer, depending on your age.
Getting cover for an entire year, where you go away several times, can be cost-effective. With Travel Insurance 4 Medical's policies, you can go abroad as often as you want in a year. Each trip must be under 31 days, though you can apply for an extension for up to 60 days if you are 70 or under. Over 70s have to purchase an additional single trip policy for a stay longer than 31 days.
Long stay and backpacker
If you’re looking to go away for an extended period, you'll need a long stay policy - sometimes known as a backpacker policy. These can go up in price a fair amount, but it's essential to be covered when abroad - especially if you have a medical condition that may flare up when away. Travel Insurance 4 Medical offer policies that cover up to 558 days per trip.
Given the higher risks associated with partaking in winter sports such as skiing, snowboarding or ice skating, Travel Insurance 4 Medical requires customers to purchase this specialist type of policy. It will be more expensive than a policy without winter sports cover, but even without a pre-existing medical condition, it's vital you can access medical attention when needed.
Pre-existing medical conditions
So what are the pre-existing medical conditions the company will cover in the unfortunate event that you need medical treatment abroad? The list for Travel Insurance 4 Medical is extensive. To give an idea, they will cover conditions such as angina, asthma, HIV, blood pressure, heart conditions, diabetes, cancer and osteoporosis. The company reviews every application on a case-by-case basis. They offer a medical screening for all applicants - which you can complete online or over the phone.
You also need to ensure you have coverage for any medical attention you require for new issues you experience when abroad. You may want to ensure that your policy includes coronavirus cover - even with restrictions starting to lift around the world.
Are there any age restrictions?
The company does place an age limit of 79 on their annual policies for their 31-day multi-trip cover. The limit is 70 if the 60-day optional extension is added. However, single trip policies can cover up to 100.
Travel Insurance 4 Medical Insurance Policies
Travel Insurance 4 Medical has an easy-to-use website that helps you get a quote and buy cover quickly. The company's 14-day money-back guarantee and comprehensive cancellation cover particularly stand out. However, the main selling point of Travel Insurance 4 Medical will always be the ability to get medical coverage for pre-existing conditions at an affordable price.