At Select & Protect all medical conditions are considered, and our travel insurance can offer cover for many pre-existing medical conditions, giving you peace of mind when travelling.
Whether you’re taking a one-off trip or travelling frequently this year, our medical travel insurance will cover you for unforeseen medical expenses, so it is important to declare all conditions when obtaining a quote.
What is a pre-existing medical condition?
Pre-existing conditions can be related to your physical or your mental health. This could be defined as a disease, injury, or illness that took place before your travel insurance policy starts.
This includes any condition in which you’ve suffered from or have received medical advice, treatment including surgery, tests, investigations or prescribed drugs or medication in the last five years.
An example would be any cancer condition, heart-related or blood circulatory condition, diabetes, high blood pressure, and asthma.
Declaring your medical conditions
It’s always important to consider your health and even more so before you purchase your policy.
When you purchase this insurance, you must declare all your pre-existing medical conditions no matter how small they are, failure to do so may result in your claim being refused.
It’s quick and easy to declare your medical conditions, when you get a quote with us, you’ll be asked if you have any medical conditions to declare. We collect all this information from you during a process called ‘screening,’ our online screening is a straightforward tool to use and once your conditions have been declared and accepted, you can enjoy your travels with peace of mind.
IAS Medical have quoted up to £60,000 for an air ambulance from the Caribbean to the UK. Figures are taken from here.
The excess will be waived if you reduce any costs through a GHIC (General Health Insurance Card) or registering with Medicare for example. You can find out more information here.
If you’re concerned or unsure, please speak to one of our online agents through our live chat or take a look at our FAQs.
Things to consider when travelling with medical conditions
When travelling with pre-existing conditions, make sure you have enough medication to last your trip and spares in case of emergencies.
Try to keep all your medication in your hand luggage in their original and correctly labelled containers just in case your hold luggage gets lost. You may also need documentation, such as copies of your prescriptions and details about your medication and health. This is if you’re questioned at the airport about the medication you are carrying.
Ensure you check the expiry date of your medication that it will be valid for the duration of your trip.
Different countries have different rules and regulations about the types of medication they allow into the country and the maximum quantity you can take in.
Research your destination in advance to find where the closest clinic, emergency room or pharmacy is located.
Visit the FCDO website in advance for further information on travel health, local healthcare and travelling with medication.
Insurance policy details
You must tell us of all your pre-existing medical condition(s). If you fail to declare any we may refuse to deal with your claim or reduce the amount of any relevant claims, even if a claim is not related to an undisclosed pre-existing medical condition.
Pre-existing medical condition(s)
Any of the following medical conditions from which you have suffered from or received medical advice, treatment (including surgery, tests, investigations by your doctor/consultant /specialist) or prescribed drugs or medication in the last five years:
And/or - any other medical condition for which you have been prescribed medication or which you have received or are waiting to receive treatment including surgery, tests, or investigations) within the last 12 months
It’s important to declare all your pre-existing medical conditions, so we can make sure you have the right cover, giving you peace of mind when travelling!
If you have any questions about what other cover is offered by Select & Protect Travel insurance use our FAQs or contact an agent using our online chat!
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