Travel Insurance

A question regarding "Travel Insurance" Can anyone comment or advise on the following regarding Travel Insurance.
I am looking to travel to South Africa in a few months time. Being of a certain age group there are health consideratons. Basic Travel insurance to cover flights delays, lost baggage and cancellations is not that expensive. Unfortunately it is always expensive once you start declaring health issues.
My question is, is it possible to have a medical insurance to only cover your medical conditions while in another country and to have a seperate basic travel insurance?
Has anyone tried or done this? If so is it cost effective?
Would appreciate any information or feedback.


  • DullGreyGuy
    DullGreyGuy Forumite Posts: 6,175
    1,000 Posts First Anniversary Name Dropper
    You can get an international version of PMI but it's normally an annual policy and expensive but it covers you at home and overseas. A quick check on Bupa's version and it's about 75% more expensive than the UK only version for us.

    Could work out if you are travelling a lot to different countries etc but travel insurance with the declared conditions is likely to be much cheaper even on an annual policy.
  • NoodleDoodleMan
    NoodleDoodleMan Forumite Posts: 3,057
    Seventh Anniversary 1,000 Posts Name Dropper
    edited 25 June at 2:38PM
    I would have thought it is just as costly to have medical insurance separately alongside standard basic cover as it would be to have a comprehensive policy with health conditions declared ?
    The medical conditions have to be declared regardless.
  • sheramber
    sheramber Forumite Posts: 17,489
    Ninth Anniversary 10,000 Posts I've been Money Tipped! Name Dropper
    Why would a separate policy for medical expenses be any cheaper than if included in regular  travel insurance?

    it would also mean if a medical reason prevented you from travelling you would not be covered for cancellation.

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