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Introduction to Travel Insurance
Travel insurance provides protection against unforeseen events, including medical emergencies and trip cancellations, giving travellers peace of mind.
It is essential to choose the right travel insurance policy that covers pre-existing medical conditions and provides adequate medical cover.
Travel insurance policies can vary significantly, so comparing different options is crucial to find the best fit for your needs.
Consider factors such as destination country, trip duration, and personal details when selecting a travel insurance policy.
Look for policies that offer comprehensive medical cover, including emergency medical treatment and medical expenses.
How Emerald Can Help With Your Travel Insurance
Emerald is an award-winning travel insurer. We pride ourselves on covering as many groups, destinations and issues as we are able. We are particularly strong on pre existing medical conditions, as we started out as a travel insurer looking at issues around HIV. Our medical cover on each policy is £10m with a simple medical screening process. If you have pre-existing medical conditions, read on.
In the meantime, if you want a travel insurance quote, even if you have no pre existing medical conditions, either get an online quote in minutes HERE or if you have questions you can call us on 0330 113 7109.
Understanding Pre-Existing Medical Conditions
Your health is important to us, and here at Emerald we always want to make sure that any pre existing medical conditions you have, from diabetes to asthma and on to more serious already-diagnosed medical conditions such as cancer are covered where we can do so. So that is why we ask for your medical history, and pre existing medical conditions.
A pre-existing medical condition is a health issue that existed before the policy starts, such as high blood pressure, diabetes, or heart conditions. It will include anything where you are receiving medical treatment. Note as always though, when you travel, travel insurance is not health insurance. You will receive top emergency treatment under an Emerald policy, but like other insurers, anything non-emergency is not dealt with.
Pre-existing conditions can affect the cost and availability of travel insurance, so it’s essential to disclose them during the application process.
Insurers may request medical history and details of treatments received in the last two years to assess the risk.
Some policies may exclude certain pre-existing conditions or offer limited cover, so it’s crucial to review the policy details carefully. We try to limit that with Emerald, but please call us if you need advice on how to complete the online medical history screening – 0330 113 7109.
Chronic conditions, such as asthma or cancer, may require special consideration when choosing a travel insurance policy. Emerald, unlike some other policies, can still deal with your questions on the online quote journey – but if you need to phone us about an injury or illness that will be clearly signposted for you.
Types of Travel Insurance
Before you go on your trip, have a think about the cover that you need, for example, annual or single trip? What have you had in the past? And have a think about and recent accident or disease as you will be asked about this when you apply.
Standard travel insurance policies may not cover pre-existing medical conditions, so it’s essential to opt for a policy that includes medical cover. Other policies are not as high quality as Emerald and can even lead to the high blood pressure you are insuring against!
Specialist travel insurance policies can provide cover for pre-existing conditions, but may come with higher premiums.
Consider the level of cover needed, including medical expenses, trip cancellations, and emergency medical care. Also destination – insurance is more expensive in the USA as medical costs there are much higher so you will pay more.
Some policies may offer additional benefits, such as access to a 24-hour emergency assistance service.
Medical Cover and Benefits
Medical cover is the critical component of travel insurance, providing protection against medical emergencies and expenses incurred on your trip, for example if you break your leg after a complete skiing wipeout.
Look for policies that offer comprehensive medical cover, including emergency treatment, hospital stays, and medical evacuations.
Consider the level of cover needed on the trip, including the maximum amount payable for medical expenses. Emerald offers emergency medical cover of £10m wherever you are in the world but also check with other providers.
Review the policy exclusions and limitations to ensure you understand what is covered and what is not.
There are exclusions. Anything related to a general pregnancy is not covered for example, nor in some cases replacement medication. If you want some of those extra covers on your trip you may have to phone in and pay extra for those services.
Getting a Quote Online
Getting a quote online is a convenient way to compare travel insurance policies and prices. You can get one for Emerald HERE.
You must provide accurate personal details and information about your trip, including destination country and duration.
Disclose any pre-existing medical conditions or disease and provide details of treatments received and any previous claim in the past.
Compare different policies from insurers and prices to find the best fit for your needs.
Look for policies that offer comprehensive medical cover and flexible payment options.
Medical Condition Disclosure
Disclosing pre-existing medical conditions is essential when applying for travel insurance.
Provide accurate information about your medical history and treatments received in the last two years. Your doctor can help if you have any questions on how your doctor diagnosed you, or if you need any medical advice from your doctor on how you were treated.
Insurers may request additional information or medical reports to assess the risk.
Failure to disclose pre-existing conditions can result in policy cancellation or claims being denied.
Consider the level of cover needed, including medical expenses, trip cancellations, and emergency medical care. You do not want to be kept waiting. And if you are travelling in Europe, don’t forget your European health insurance card.
Conclusion – Try Emerald!
Often, people don’t give much thought to travel insurance – and just buy the cheapest. While that is an option make sure your policy covers what you need, especially for longer trips.
But don’t just rely on what we say here at Emerald. Have a look at our reviews on our travel page HERE, get a quote or call us on 0330 113 7109.
We look forward to hearing from you.
