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5 things to look out for when obtaining travel insurance with a medical condition

March 9, 2015 1:21 pm
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Whether you’re heading on a romantic luxury cruise, a family trip or a slightly mucky gap year experience, planning a holiday is stressful at the best of times, but it’s even worse when you’re going with a medical condition! It can be a bit of a minefield, with different companies offering different level policies etc. Well, fear not, we’re going to try and make it a bit easier for you by showing you 5 things you need to look for when buying travel insurance with medical conditions.

1. For the families out there…

When selecting a plan for a child with a condition, make sure at least one travelling adult is named on the same policy. If something goes wrong whilst away and the rest of you are on your own separate plan, there’s a chance you might have to leave your child behind in the hands of the local medical care.

An image showing a family, for a point about travel insurance with a medical condition.

2. Taking tablets?

Even if you’re just having to use medication for preventative purposes this needs to be screened!

As a more complex example, if you’re having to take medication for a heart problem, in all probability you will have a few different types of tablets to take. This could be high cholesterol and high blood pressure, even if you didn’t have these issues before the heart diagnosis, they still must be screened!

3. Of the sporty variety?

If you’re planning on doing some sporty activities whilst on your travels, this needs to be discussed. It’s particularly pertinent for more extreme sports as there can be more stringent depth restrictions, height restrictions, safety equipment issues etc.

Image for climbing, showcasing a point about extreme sports when obtaining medical insurance with a medical condition.

You might be a bit small for this…

4. Wanting to go on a working gap year?

If you’re heading off to your chosen destination to do some office-based or general white-collar work, you’ll have no problem getting the required cover, in all probability!

However, if your travelling vocation is classed as ‘manual’ labour, involves machinery or animals then you’ll face more difficulty obtaining a plan that covers this sort of work.

That’s not to say you definitely won’t get it, but companies are certainly more reluctant to grant plans for these types of jobs.

5. Cancer in remission?

Even if you had cancer a way back and have been in remission for years, it’s highly advised to bring this up if a company asks you about it.

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And that’s it for today! Keep your eyes peeled for more helpful information on all things specialist travel insurance!

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