Simon Bentley
Author: Simon Bentley, Head Of Customer Interaction

Simon has over 15 years experience in the insurance industry and looks after our website, making sure our customers have the best experience possible!

Originally posted: 11th Mar 2014

Why where you're going impacts your price

If you are looking for travel insurance to cover a severe, or recently diagnosed medical condition you could find that the cost is more than you expected. Fortunately we are here to help you find the best priced travel insurance to cover your pre-existing medical condition.

In addition to shopping around for the best price, there is another way to keep the cost of travel insurance cover for medical conditions down as much as possible.

When you get a travel insurance quote to cover pre-existing medical conditions, the insurer is trying to assess the risk of you needing medical treatment abroad and the potential cost of that treatment, they then set the price accordingly.

The insurer takes into account four main criteria when setting the cost of travel insurance; the duration of your holiday, your age, the medical conditions that you need to cover and their severity, as well as the destination that you are travelling to.

There’s not much you can do about your age, or your medical conditions, and you probably don’t want to shorten your holiday, but you can choose your holiday destination carefully to reduce the potential cost of travel insurance for medical conditions.

The country you choose for your holiday can have a big impact on the price of your travel insurance and this difference is magnified if you have a pre-existing medical condition.

The cost of travel insurance cover for different countries is mainly down to the cost of receiving medical treatment in that country and whether the UK has a reciprocal health agreement in place with that country.

Travel insurance to the USA, Canada and the Caribbean can be considerably more expensive than travel insurance for other countries outside Europe. This is because medical treatment, although very good, is notoriously expensive. This means that if you require emergency medical treatment in the USA, Canada or the Caribbean the cost is likely to be considerably higher than in other countries, therefore the cost to your travel insurer if you make a claim will be considerably higher.

It is important to note, that although the cost of medical treatment within the Caribbean may not be as expensive as in the USA, if you do require hospital treatment in the Caribbean you are likely to be airlifted to the USA, particularly if you are on a cruise.

The high cost of medical treatment in a country is reflected in the price of travel insurance cover.

Even within Europe, there are countries where medical treatment is more expensive, therefore travel insurance can be more expensive. For instance Spain and the Spanish Islands are often more expensive than the rest of Europe for travel insurance cover even though they are within the EU.

Any difference in the cost of travel insurance for different countries is magnified if you have pre-existing medical conditions that you need to cover on your policy, so it’s worth keeping this in mind when you are choosing where to go for your holiday.

Unless there is a reason why you particularly want to go to a country, why not get some travel insurance quotes for various destinations before you make a final decision to see what difference it makes to the price.

If you want to relax on a beach, is it that important that the beach is in the Caribbean rather than the Maldives? If you do have a severe medical condition such as cancer or severe heart condition the country you travel to could impact the price of your travel insurance by hundreds of pounds.

Frequently Asked Questions

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.
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!
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!
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 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.
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