Travel Insurance with a Pre-Existing Medical Condition

Health conditions can make life complicated, yet there are many ways to manage the challenges you face. For those who believe that serious medical conditions shouldn’t hinder their travel plans, there are options available.

At Brunel, our experts understand that travelling with pre-existing medical conditions can be complicated. That is why we offer specialised travel insurance tailored to cater to your specific needs and address the complexities that come with travelling under these circumstances, providing peace of mind and wide-ranging cover.

Travel insurance for those with pre-existing medical conditions includes cover for care and treatments in the event of an accident, addressing the increased risks associated with serious medical conditions. Such a policy is essential for ensuring proper cover support whilst travelling.

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Can You Get Travel Insurance If You Have A Pre-Existing Condition?

Knowing where to start when it comes to getting travel insurance as someone with a medical condition or disability can be difficult.

You may find that a standard travel insurance policy doesn’t cover your needs and requirements and it would not cover medical expenses that relate to a condition that you were suffering from before you travelled.

This is because you may be more at risk than an able-bodied person or because an existing medical condition increases the potential that you might need medical assistance during a trip; therefore having a specialist travel insurance policy for those with pre-existing medical conditions is important.

Why Choose Brunel for Travel Insurance with Medical Conditions?

Tailored Cover: The policies we offer are designed to accommodate various pre-existing medical conditions, ensuring you’re fully covered during your travels. Whether it’s diabetes, high blood pressure, or other health concerns, we have you covered.
Wide Protection: Don’t let medical conditions stop your adventures. You’ll receive cover for medical emergencies with our travel insurance, including doctor visits, hospital stays, and medication.
Personalised Service: Here at Brunel, we believe in personalised service. Our team will work closely with you to understand your medical needs, providing assistance and support throughout the insurance process.
Flexible Options: Choose from various flexible policy options to suit your specific travel plans, duration, and medical requirements.
Global Assistance: Enjoy peace of mind knowing you can access an insurer’s 24/7 global assistance helpline. Wherever you are, help is just a call away.
Transparent Policies: We believe in transparency. The policies we provide are clear and easy to understand, ensuring you know precisely what you’re covered for.
Competitive Rates: Get affordable rates without compromising on the quality of cover. We offer competitive pricing for our specialised travel insurance.

Travel with confidence, travel with Brunel.

Our commitment is to ensure that individuals with pre-existing medical conditions can explore the world without worry. Whether you’re planning a short getaway or an extended trip, Brunel provides the safety net you need.

Understanding Our Travel Insurance with pre-existing medical conditions

Understanding what your travel insurance covers is important for peace of mind and the confidence to enjoy your holiday. Specialist travel insurance for people with pre-existing medical conditions will take your health issues into account.

We use insurers that provide cover for many different medical conditions and eventualities. The key to securing the right cover is to be honest when applying, ensuring you declare any pre-existing medical conditions. If you’re uncertain whether to declare a particular condition, it’s always best to speak to one of our advisors.

Travel Insurance with Pre-Existing Medical Conditions Coverage To Consider:

Medical Expenses: Covering medical costs due to unexpected illnesses or emergencies during your trip.
Emergency Assistance: Support and guidance in a medical emergency, including evacuation if necessary.
Trip Cancellation/Interruption: Reimbursement for non-refundable trip expenses if your trip is cancelled or cut short due to covered reasons, including medical emergencies.
Baggage and Personal Belongings: Protect your belongings against loss, theft, or damage during travels.
Pre-existing Conditions Cover: Tailored cover for various medical conditions, ensuring you’re protected throughout your journey.

What Health Conditions Require Specialist Travel Insurance?

A pre-existing medical condition is an illness or injury existing before or when taking out an insurance policy.

A list of some of the most frequently disclosed pre-existing medical conditions for travel insurance includes:

Heart Conditions: Common heart conditions include high blood pressure and high cholesterol.
Cancer Conditions: Including leukaemia, Non-Hodgkins Lymphoma and skin cancer.
Diabetes: Including both Type 1 and Type 2 diabetes.
Asthma and Respiratory Problems: Ranging from mild to severe asthma, or other airway issues, such as Cystic Fibrosis.
Chronic Illnesses: Long-lasting or chronic illnesses including back pain, and stomach problems such as Crohn’s disease, IBS and Diverticulitis.
Joint and Bone Inflammation: Including arthritis, rheumatism and gout.
Terminal Conditions: These include terminal illnesses such as motor neurone disease and Parkinson’s disease.
Mental Health/Psychological Conditions: Physical conditions aren’t the only thing covered under pre-existing conditions. Anxiety, depression and eating disorders should be covered.

Other conditions that will need to be disclosed include:

Treated broken limbs,
Any surgeries,
Any ongoing treatments,
Whether you have recently consulted a doctor,
Any condition you are waiting on results for.

What Conditions Are Not Covered By Travel Insurance?

Anyone under investigation for an undiagnosed condition (unless something very minor),
Travelling against the advice of a doctor,
Travelling to receive treatment abroad,
Travelling for cosmetic treatment,
Anyone receiving end-of-life/palliative care where the prognosis is less than 6 months from the return date of the trip.

How To Get a Quote

Applying for travel insurance with pre-existing medical conditions with Brunel is simple:

Get a Quote: Once you’re ready to get a quote, provide us with your travel details and medical history for a personalised quote. This will include running through a medical screening and answering a few questions about your condition. This will allow us to find the best cover for your needs.
Review Your Options: Choose the policy that best fits your needs and travel plans.
Purchase Your Policy: Complete the process and gain immediate cover for your upcoming trips.
Travel Confidently: With Brunel, embark on your journey with confidence, knowing you have the right travel insurance for people with pre-existing medical conditions.

Travelling should be about creating unforgettable memories, not worrying about what-ifs. With Brunel’s specialised travel insurance for individuals with medical conditions, you can focus on enjoying every moment of your adventure.

Get in touch with us today to safeguard your travels and embrace the world worry-free. Call Now on 01934 643400 or Click Below

Travel Insurance with Pre-Existing Medical Conditions FAQs

Can You Get Travel Insurance To Cover Mental Health Conditions?

Yes, many travel insurance policies offer cover for pre-existing medical conditions. However, the cover might vary depending on the insurance provider and the specific policy terms.

Some insurers may cover these conditions automatically, while others may require you to disclose your conditions during the application process or pay an additional premium for cover.

Can I Get Travel Insurance If I Have Cancer?

Yes, it's possible to obtain travel insurance if you have or have had cancer, although the availability of policies and the terms of the policy can vary significantly among insurance providers.

Does A Pre-Existing Condition Mean I Will Pay A Higher Travel Insurance Premium?

A pre-existing medical condition could lead to a higher travel insurance premium. Insurance providers assess risk based on various factors, and pre-existing conditions may indicate a higher likelihood of requiring medical care while travelling, hence influencing the cost of a policy.

Will Travel Insurance Cover My Medical Equipment?

You'll need to check your policy wording, but many travel insurers may include cover for medical equipment. They may also cover the cost of hiring replacement equipment if yours gets lost, stolen or damaged. If you require this cover, please let us know.

What Types of Pre-Existing Medical Conditions Does Brunel's Travel Insurance Cover?

Brunel's travel insurance can cover a wide range of pre-existing medical conditions, including but not limited to heart conditions, cancer, breathing conditions and others, including people who are undergoing treatment, awaiting treatment, and/or received a terminal diagnosis.

Are There Any Age Limitations For Purchasing Travel Insurance Covering Pre-Existing Medical Conditions From Brunel?

Brunel offers travel insurance covering pre-existing medical conditions without strict age limitations. We are proud to not have an upper age limit, meaning that those who would otherwise face difficulties securing insurance due to age-related factors, have access to essential cover tailored to their needs.

Is There A Limit To The Number Of Days That I Can Be Abroad For?

At Brunel we understand that often trips can span over a number of months, that's why here at Brunel we can offer single trip policies up to 18-months in duration up to the age of 69 and up to 157 days for over 69s.These limits can vary depending on medical conditions and destination. We can also offer annual multi trip cover with a maximum trip duration of up to 92 days per trip again depending on age, destination and medical conditions.

Am I Able To Cover Trips Costing Over £5,000?

Yes, depending on age and medical condition we are able to offer cancellation cover up to £500,000.

Will My Policy Cover Cancellation Due To The Health Of A Non-Traveller?

Depending on the insurer some will offer cover for if you have to cancel your trip due to the health of a non-traveller if they are a close family member and if the illness was 'unforeseen'.