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Here are some quick answers to some of our most common questions. Be sure to check out our Help Centre for more guidance.
You must have a permanent UK address, have lived in the UK for the last 6 months and be registered with a medical practitioner in the UK. All trips must start and end in the UK and you must purchase the insurance before you depart for your first trip.
If you are going on 2 or more trips a year, then an Annual Trip policy may save you money!
A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
Most insurance providers will cover you for up to 45 days, however, there are a few who may be able to cover you for up to 94 days.
The number of trips is not limited on an annual policy so you can go away as many times as you want!
With annual trip cover, some insurance providers will have a maximum number of days that you will be covered for during the year so always check your policy wording. The maximum duration of a trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
Depending on whether you select European or Worldwide cover, your insurance provider will cover most countries within that area. However, there may be some countries that your insurance provider will be unable to cover you cover for, including any countries which the Foreign & Commonwealth Office have advised it is unsafe to travel to. Always check your policy wording if you are unsure if your country will be covered.
Some insurance providers will have age limits on their annual trip cover. If you are finding it difficult to get annual trip cover, we would recommend trying a single trip quote, as you are more likely to find cover this way.
If you have to cancel your Cruise, your insurance provider may be able to cover the cost of your pre-booked excursions and this will usually be up to a certain amount. We'll show you whether this is covered before you buy your policy.
Single trip cover usually can cover you for up to 45 days, but a few providers may be able to cover you for up to 94 days. If you are getting annual trip cover, there will be a maximum amount of days that you are covered for any one trip, but we'll let you know what this is for your quote!
Single trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days, however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover.
If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
Gadget cover, such as for mobiles, laptops and tablets, can be added as an optional extra to your quote. If you are going on a long trip, it may very well be worth ensuring you have gadget cover in place.
Once you've received a quote you can check your policy wording to make sure your winter sports activity is covered.
No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.
No. Cover can only be provided for trips that begin and end in the UK.
Yes. Only travel insurance providers that are authorised and regulated by the Financial Conduct Authority are allowed on our panel.
Most definitely! If you have no medical conditions to declare you will find quotes highly competitive. We specialize in finding competitive travel insurance quotes for everyone including senior travellers and travelling companions.
A pre-existing is any medical condition for which medical advice, diagnosis, care or treatment was recommended or received before applying for a travel insurance policy. Some conditions we'll need to know if they have ever been present, whilst some within a certain time period.
Medical expenses abroad and repatriation can be very expensive. Having travel insurance that includes cover for existing medical conditions is the best way to ensure you are protected from financial loss in the event of having to cancel the holiday or receive emergency medical treatment abroad.
Yes. It’s important to declare any past or present medical conditions. Failing to do so could invalidate your travel insurance policy and you may not be covered in the event of a claim.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.
Travel insurance policies exclude cover for medical conditions where treatment or surgery is pending. To obtain full cover, it is best to apply for travel insurance once the procedure is complete and the doctor has signed you off.
No, unfortunately, we're unable to provide a quote if you are suffering from an undiagnosed medical condition. As soon as you have been diagnosed you can visit us and get a quote.
No. Should a close family relative become unwell due to an existing medical condition, causing you to cancel or cut your holiday short, you will not be able to claim. Travel insurance for pre-existing medical conditions applies only to the travellers insured on the policy.
Yes. Whilst the EHIC can reduce the cost of necessary medical treatment when visiting countries within the EU, it is not eligible for use in private hospitals or treatment centres. Nor will it cover cancellation, curtailment or repatriation back to the UK.
Yes. Any changes to your health or medication that occurs before your departure need to be declared to your insurer.
You must be fit to undertake your planned trip. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad. Cover will only be provided for pre-existing conditions that you have declared and which your insurance provider has accepted in writing.
It's easy! Enter your details just once and you'll be able to compare quotes from over 40 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.
When applying for travel insurance online, you will be able to use our medical screening tool to declare all of your medical conditions. If applying over the telephone, a medical screening support assistant will guide you through the process.
Once you have selected a policy from our results list, you will be directed to the chosen insurers payment platform. Here you can make payment with a credit or debit card. We can also make payment to the insurer on your behalf by taking payment details over the phone. Cheque or cash payments are not accepted.
Your documents will be automatically emailed to you directly from your insurer. If you prefer to have your documents posted, please contact your insurer with this request.
Yes, but you will need to telephone us to process the application. We will then arrange to have the policy documents posted to you.
We share the information you provide to us with our panel of insurers for the purpose of arranging travel insurance only! We do not sell or share information with third parties.
You will need to contact your insurance provider. Contact details will be provided with your policy documentation.
You have a 14 day right to cancel period with any travel insurance policy. You will need to contact your insurance provider to cancel within this period. You are entitled to cancel providing you have not travelled or made a claim.
Full details of what you need to do to make a claim will be detailed in the Policy Wording provided to you by your insurance provider.
The start date will need to be the date you leave your home to start your trip, and the end date will be when you arrive back home. This includes any travel to and from an airport or port.
You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it includes any countries where your ship will be docking at.
Cape Verde is geographically within Africa and would not be expected to be covered under European cover. Confusion can arise as although it's not part of Europe, Cape Verde has adopted the Euro as its currency.
Some forms of business travel are covered under travel insurance policies, for example, attending business meetings, conferences or seminars. Other types of business are not covered, especially anything that involves manual work, professional sports or professional entertaining (e.g.. a musician playing at a concert). Always check your policy to make sure you have the cover you need.
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
If you don't travel much then a single trip cover is perfect as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy. If you travel 2 or more times a year, it may be cheaper for you to go for an annual trip cover. It's best to start your annual trip cover as soon as possible, as if you have cancellation cover, you'll only benefit from this from your policy start date.
Yes, you will need to declare if you, or any traveller, have ever had any diagnosed heart related medical conditions.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a cancerous condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Nearly all insurance policies will come with cancellation cover included. Cancellation cover will start as soon as you buy your single trip policy, or your policy start date for an annual trip (so you may want to start this cover as soon as possible). Cancellation cover will help you with the cost of your trip, including flights, accommodation and, in some cases pre-paid excursions. The cover limits will be the amount per person.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a respiratory condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a diagnosed psychiatric condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
You should tell us about the medical condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from any circulatory conditions. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Some travel providers may be able to provide some cover, but the value might not be enough to cover the cost of your item - it's always best to check your policy wording, it will usually be found in the baggage or personal belongings section. You may also like to check your home insurance policy - this can sometimes allow cover for your mobility aid whilst away from home but may be limited to within the UK. If your mobility aid cannot be covered in either of these ways, you may like to consider taking out specialist insurance.
No, after you've declared your medical condition using our online screening tool - you are done! There's no need to confirm your conditions in writing with your insurance provider. The only time you may have to provide written evidence is in the event of a claim.
If you are taking out single trip cover, and have cancellation cover included, you'll be covered for cancellation from the moment you buy your policy. However, if you are taking out annual trip cover, and have cancellation cover included, you'll be covered from the start date of your policy. Consider starting your annual trip cover as soon as possible, especially if you have already booked your trip!
Cancellation amounts will be per person. So, if you were going on a trip for 2 people which cost £1,000 in total you would ideally need cancellation cover for at least £500.
If you're taken ill or have an accident abroad your travel insurance policy will repatriate you once you are well enough to travel. It is included within your medical cover. The insurance provider's Emergency Assistance team will help organise this along with the medical team who are treating you. If you are travelling in the UK, check repatriation with your insurance provider to see what is included.
Annual and Single policies can be arranged for individuals, couples, families and groups. An individual policy provides cover for one person only. A couple is two individuals living at the same address. A family is either one or two parents travelling with their child or up to 10 children (under 18 years) for whom they are legal guardians and who all reside together. A group is 2 or more people travelling together, regardless of their relationship, up to a maximum of 12. Check with your insurance provider whether everyone insured on an Annual policy must live at the same address.
Yes, on an annual trip policy, anyone named on the policy can travel separately.
With the UK set to shortly leave the European Union, we know this is a worrying time for a lot of people. If you are concerned about any effect Brexit may have on your travel plans, we've created a handy guide to Brexit here https://www.medicaltravelcompared.co.uk/travel-blog/travel-tips/our-guide-to-brexit/