Annual travel insurance with pre-existing medical conditions

Scots_Girl

I've just booked an annual world-wide travel insurance policy, and thought the prices I found might be of interest to others with pre-existing medical conditions.

A number of websites offer Fortis travel insurance, and have fairly similar (although not always identifical) medical declarations. If you can agree with the terms of the medical declaration there's no need for detailed medical screening, and no additional cost for the policy.

As an example, if you just receive regular medication for a blood disorder, breathing problems, diabetes, psychiatric illness or dementia, and are not awaiting tests, results or hospital treatment, you'll probably meet the medical declaration - although do check the details carefully yourself to see whether you qualify.

Even if you can't meet the terms in the medical declaration the additional cost after medical screening may not be too high. At least one site (Coventry Building Society) does the screening on line, and then gives the price for the declared condition(s), with the option to remove cover for them.

These are the prices 1 found for world-wide annual cover with Fortis:

31 day maximum per holiday -
£53 Coventry Building Society
£63 Laterlife/Wiseman's
£71 Britannia
£81 Post Office
£98 Scuba (not sure whether need to join/be a member)

45 day maximum per holiday -
£66 Coventry Building Society
£79 Laterlife/Wiseman's
£88 Hodgson Insurance

93 day maximum per holiday -
£107 British Mountaineering Council (need to join/be a member - so additional cost if not already a member)

passau91

Hi there

I recently got my annual worldwide multi trip from Insureandgo. I had to call them rather than complete the online quote, but the final figure was £55. This was great compared to the quotes of over £150 I was getting on the specialist sites. This was for their Silver level of cover, which includes USA and Canada, winter sports (you get it whether you want it or not), baggage and cash (although with a £60 excess). This provides for a maximum stay of 45 days if you're under 66, or 31 days if you're 66 and over.

I've never had to claim, so it is only peace of mind I can recommend at the moment for them, but they seem to be the only mainstream providers who cover diabetics controlled by tablet.

Hope this helps.

Peter_Simon

These guys offer travel insurance with pre existing medical conditions:

http://www.24drtravel.com