Are concerns about travel insurance putting you off booking that trip of a lifetime?

It can be beneficial to get an insurance quote before you book your holiday.

For many, the decision to book a dream holiday of a lifetime is met with both excitement and caution. The average two-week holiday costs on average £4,800, so choosing the most suitable trip can take months, or even years to plan.

When the location has been decided on and booked, the important question of what travel insurance to take out usually comes soon after but for some, the correct policy could be the make or break of taking that dream trip.                                       

Insurance limitations

Being refused travel insurance can cause more headaches than some may expect. If you have any pre-existing medical conditions and purchase a holiday, you might find that your options are limited when trying to buy a suitable policy to cover your trip.

Depending on what your circumstances are can affect what you may be quoted and in some cases, insurance has been almost as expensive as the holiday. If you have already booked your trip but find you are unable to travel due to lack of insurance, you may find that you will lose all or part of your money. Many people with pre-existing medical conditions are often perfectly fit to travel but some insurers deem them to be a risk and will often charge high premiums to cover them for the duration of their trip. This is can be very disappointing for those who feel priced out of taking that dream trip and would cause them to rethink their travel plans.

Disclosure of medical conditions

It some cases, travellers may decide not to disclose their medical conditions if they think that they are unlikely to have any problems whilst away, but should anything happen to them, they will be uncovered and liable to spend tens of thousands of pounds to rectify the situation. It really isn’t worth the risk.

Chris Pannell, travel insurance expert from Payingtoomuch.com said: “We are finding that people with pre-existing medical conditions are calling us, asking if they will be covered for specific conditions and what the cover will cost them before they book their trip.  By doing this, they could potentially save hundreds of pounds in cancellation fees not to mention the savings we can offer them for travel insurance. You will, however, need to know what part of the world you wish to travel in as cover can vary between the Americas and Europe for example.”

Give us a call

If you have pre-existing medical conditions, we can compare travel insurance quotes to include them on the policy. Whether you are planning a short trip to Paris or a three-week cruise to the far east, finding the right affordable policy is easy. Qupte up your insurance, book your holiday and then book your insurance withthe knowledge that it is affordable.

To compare the available options for your insurance, contact the travel insurance team on 01243 784 000

Sample quotes

Premiums based on two travellers, 67 and 66, travelling to Australia for three weeks, 1^st November 2017. Traveller one has Arrhythmia, with medication and a blood thinner with no associated complications. Traveller two has one tablet for raised blood pressure and raised cholesterol. Both non-smokers.  Prices correct at 07/08/2017