Medical Travel Insurance

Medical Travel Insurance
Why Staysure?
  • Specialists in pre-existing medical conditions
  • 98% of customers can cover all their medical conditions*, with all conditions considered
  • Up to £10 million medical emergency and repatriation cover with Comprehensive Policies
  • Simple medical screening process can be completed online or over the phone
  • No upper age limit on single trip policies
  • Additional cover options available including Insolvency Cover and Travel Disruption Extension

What is medical travel insurance?

We know it's important that you're happy with your level of cover when you're travelling, especially if you're concerned about pre-existing medical conditions.

Getting travel insurance if you have pre-existing medical conditions is easy with Staysure. We consider all conditions, giving you great value and peace of mind when you are travelling.

In addition to pre-existing medical conditions cover being available across all policies, we offer a simple medical screening process in the form of a questionnaire completed online or by calling: 0800 033 4902.

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Travel with pre-existing medical conditions

It's very important that all pre-existing conditions are declared on your travel insurance policy at the time of purchasing. If you have a condition such as high blood pressure, the risk of having a medical emergency related to this is higher than usual, so disclosing all of your conditions means that you'll be covered for any medical emergencies when you're travelling.

Having a medical condition shouldn't stop you from travelling wherever you want. As long as you prepare for your trip properly and make sure you have adequate holiday medical insurance, you will minimise any potential problems, leaving you to enjoy your trip.

Is your medical condition covered?

To make sure you're covered, all medical conditions should be disclosed and confirmed on your travel insurance policy document. Disclosing all existing conditions means you will not be liable for large bills if you fall ill while you're travelling, especially in locations where there is no state health care, such as the USA or other locations outside Europe.

If you're taken ill in the USA, a hospital stay plus the cost of repatriation back to the UK could easily run to tens of thousands of pounds.

Travel insurance that covers pre-existing medical conditions doesn't have to be expensive. Staysure covers pre-existing conditions and most other serious conditions can be added to your policy using our simple medical screening process.

Do I need to undergo medical screening for travel insurance?

Declaring all of your pre-existing conditions fully in the medical screening process is vital as failing to do so may result in you not being covered should you need to make a claim. With an air ambulance from Spain back to the UK costing upward of £10,000 in some instances, travel insurance which covers your repatriation costs for existing medical conditions provides you with peace of mind should the worst happen.

The medical screening process is a set of simple questions about your health that will help your insurer determine the severity of any condition when you're buying travel insurance to ensure you get the right level of cover. With Staysure, this can be completed over the phone or online in a matter of minutes.

For more information on medical screening travel insurance, including the questions you're likely to be asked, read our medical screening FAQs page.

What if I'm on a waiting list for surgery or awaiting test results?

Unlike many insurers, Staysure can offer cover for medical and repatriation claims in relation to numerous surgeries and the associated condition if they have been declared when booking your policy**.

Also, while we will be able to provide a more appropriate quote if your medical condition has been fully diagnosed and declared, we can still consider you for cover if you are awaiting test results.

For more information on getting travel insurance while awaiting surgery or test result and a full list of the surgical procedures that can be covered, take a look at our awaiting surgery page.

Which level of cover do I need?

Basic Travel Insurance covers medical emergencies and repatriation, up to £5m and baggage claims, up to £300. It includes cover for cancellation, curtailment and trip interruption of up to £500 should you need to cancel or interrupt your trip unexpectedly.

Comprehensive Travel Insurance includes cover for medical emergency and repatriation of up to £10m; cancellation, curtailment and trip interruption of up to £5,000; baggage loss, up to £2,500; personal liability of up to £2m; and legal protection of up to £25,000.

Tips for travelling with a medical condition

If you're new to travelling with a medical condition, or would like to make things easier for yourself or a travel companion, here are a few travel tips you may not have thought of yet:

  • Always ask your doctor if you are well enough to travel before booking a holiday
  • Check with your doctor and the Foreign and Commonwealth Office (FCO) if your destination requires vaccinations
  • Arrange early boarding with your airline, as well as wheelchair assistance, a special diet and any other medical necessities you may require
  • Give yourself plenty of time to pack and prepare, avoiding the stress of last minute arrangements and errands
  • Find out in advance where your nearest doctor and hospital are and avoid countries where the health care system is inadequate for your particular needs. A good travel insurance provider will be on hand to help you with information about your holiday destination and the medical facilities you can expect.
  • Get a doctor's letter with details of your medical condition and a list of medicines you are taking with their doses, ready for if an emergency arises. Keep this in your wallet or purse so that if you lose them, you'll also be able to replace them more easily
  • You may need a licence for taking some medicines abroad (e.g. morphine based pain killers). This can be obtained from your hospital, GP or hospice, but this will often need to be applied for well in advance
  • Make sure your travel insurance providers can help with replacing any lost medication or prescriptions while you are away.
  • Avoid stress and give yourself plenty of time and make sure you leave your accommodation with far more time than you need to allow for unexpected delays
  • Don't pack too much travelling into one day. It may also help to take a later connecting flight or stay in a hotel en-route and recharge before travelling onwards
  • Ideally, allow yourself a day before and a day after travel in order to recover. You could also find that an extra day resting from your trip before resuming normal activities will be very welcome.

If you have any questions regarding medical travel insurance, our specialists will gladly help – simply call 0800 033 4902 for an answer to all your queries. Alternatively, you can get an online quote here.

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*98% of customers can cover all their medical conditions based on all quotes January 2016-April 2016.

** You will not be covered to claim for cancellation or curtailment if it is due to the condition you are awaiting surgery for.