Good medical insurance is important
wherever you go in the world and for however long you are away.
Some countries have agreements with
the UK but this might not cover all the expenses involved in medical
If you are a resident of the UK,
UK national, part of an EEA state or a refugee resident in any
of the above collect an EHIC form from your post office before
you travel abroad. This will allow you reduced or free cover
in any of the EEA states as well as Iceland, Liechtenstein and
Special Insurance Policies &
Travel Insurance for pre-existing medical conditions
For most travellers, getting an insurance
policy involves a few phone calls, search on the web or a visit
to their local travel agent. However for those who do not meet the
common criteria because of age or pre-existing medical conditions,
finding an affordable insurance quote that also offers reassurance
and a suitable level of cover, can often be a problem.
At TravelHealth.co.uk we receive many e-mails each
week from people looking for such cover. We have put together a
list of insurance companies who from our limited research offer
a range of cover for travellers with special insurance requirements.
While we are unable to recommend a particular company, we hope the
information below will help those travellers who need just a little
more cover than the conventional policy is able to offer them.
Age Concern Travel Insurance
Telephone: 0845 601 2234
Age Concern provides travel insurance cover without
any age limitations. They are also able to provide cover for travellers
with pre-existing conditions.
JD Consultants Travel Insurance
Telephone: 020 8464 6636
JD Consultants provides a friendly individual insurance
service for those travelling with any kind of disease or existing
condition. They cover all destinations and conditions with the only
exception of a terminal prognosis of less than 4 months. They have
screening health lines, which make an individual assessment of each
Telephone: 0845 338 1638
Travelbility, a service offered by J&M Insurance
Services (UK) plc, offers travel insurance for the disabled or those
with pre-existing medical conditions and their carers. Travelbility
is backed by AXA Insurance, one of the UKs leading travel
insurers, for complete peace of mind. It is available as single
trip or annual cover and for additional protection, winter sports
cover is an optional extra.
All Clear Travel Insurance
Telephone: 0845 250 5200
AllClear specialise in providing travel insurance for people of all ages with pre-existing medical conditions, who find difficulty getting cover elsewhere. AllClear covers almost any pre-existing medical conditions including diabetes, angina, arthritis, asthma, cancer, heart disease, high blood pressure, high cholesterol, epilepsy and stroke. Travelling companions also covered.
This company provides insurance for those travellers
with illness or disability travelling to EU countries under the
age of 64.
Free Spirit Travel insurance
Telephone: 0845 230 5000
Call Centre: Mon-Fri; 9am-5pm)
enquiries and requests for further information)
Specialist travel insurance for people with pre-existing
medical conditions. To apply for a quotation, please telephone Free
Spirit or visit the website. You can also buy online from this site.
Fibrosis Trust has been working with insurance brokers to facilitate
travel insurance for people with CF.
Insurance for Charitable Organisations
We recommend the Banner
Group for those requiring insurance when travelling with a charitable
organisation. (insurance is not available for non-charitable travel