Travel insurance for back conditions

Looking for travel insurance with back pain problems can be a hassle, but it really needn’t be.

With a tailored policy, you can choose the level of protection you want and what you want covered.

We’re specialists in insurance for travellers with medical conditions, and we believe in doing it right. In fact, we’ve been been voted the nation’s Most Trusted Travel Insurance Provider in 2017 and 2018.*

You can get your tailored quote for travel insurance with a back problem online here, or talk to us now on 0800 033 4902.

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Why do I need travel insurance for back problems?

It’s always sensible to take precautions when you’re travelling – especially if you have a medical condition with back pain.
Things going wrong on holiday is more common than you might have thought. In fact 1 in 20 people had to claim on their travel insurance in 2017**.

Good quality travel insurance can help ease the worry when you need it most. Whether it’s medical-related, losing your luggage or a stolen passport.

Proper travel insurance isn’t a huge expense when you set it against the worry and costs that can come from things going wrong. Without it, the costs of medical treatment abroad can be a strain on your wallet. Is that really worth risking?

You can get your quote online, or if you have any questions why not talk to us today on 0800 033 4902.

What back problems can you get travel insurance for?

If you need travel insurance for a back pain problem, we can offer cover for:

  • Slipped disc
  • Sciatica
  • Sciatic nerve damage
  • Osteoarthritis
  • Osteoporosis
  • Rheumatoid arthritis
  • Spinal stenosis
  • Degenerative disc disease
  • Spondylolisthesis
  • Collapsed disc
  • Fractures to the back

If you are awaiting surgery or further treatment, we can still offer you cover but it wouldn’t include cover for incidents related to any pre-existing medical condition.

What does our travel insurance for back problems cover?

Basic Comprehensive
  • Medical emergencies and repatriation up to £5m
  • Cancellation and cutting your holiday short covered from £500 with optional upgrade to £3,000
  • Baggage claims up to £300
  • Cash lost or stolen up to £250
  • Excess £85 – £100
  • Medical emergency and repatriation up to £10m
  • Cancellation and cutting your holiday short covered from £5,000 up to £15,000
  • Baggage loss up to £2,500
  • Cash lost or stolen up to £500
  • Legal protection cover of up to £25,000
  • Excess £65

Can’t I just use my EHIC instead of medical travel insurance for back pain problems?

An EHIC is not a travel insurance policy, and the NHS recommend all travellers have proper travel insurance, even in areas where EHIC is accepted.

You need to take an EHIC – in fact it’s a condition of our policies that you take one if you’re travelling within the EEA and Switzerland (The EEA is EU countries plus Iceland, Liechtenstein and Norway.)

An EHIC means you can receive subsidised or free healthcare when you use a state healthcare provider (like our NHS).

Obviously if you are travelling outside Europe, EHIC will not be accepted. So you won’t need to take it with you.

An EHIC is useful, but it doesn’t cover things that aren’t directly related to emergency medical treatment. That includes medical repatriation – if it’s necessary to fly you home in a medical ambulance, EHIC will not foot the bill.

An EHIC also won’t help to cover things like flight delays and cancellations, lost baggage and stolen passports

What’s the medical screening?

We’ll ask you to complete a medical screening either online or over the phone to get your tailored quote.

We’ll ask you a few multiple-choice questions about your medical situation, including your back problem, any other conditions that you’ve had within the past two years and if you’ve ever had heart or circulation problems.

We like to get everything right, so we do need complete and accurate answers about your health. Unless we have the right information, you won’t be covered if you need to make a claim.

You might like to have any relevant medical details by your side when you take the screening.

The screening is actually quite simple to do online, but if you’d rather complete it over the phone, we’re more than happy to help you through the process. Call our friendly team today. We’re always happy to help.

What sort of questions will I be asked?

You’ll probably be asked some of the following:

  • In the last 5 years, has this condition affected your ability to wash, dress or feed yourself?
  • Do you take pain relief daily for this condition?
  • Have you had any of these treatments for your back or neck in the last 12 months?
  • Are you awaiting further treatment for this condition?

You can get your quote online now, or you can call us 0800 033 4902.

I’m travelling with others who do not have medical conditions. Is it possible for us all to be covered on the same policy?

Absolutely. In fact quite a lot of customers do this because it helps make sure you and the rest of your party are properly covered.

For example, if your back problem leads to you having to cut your trip short – or even cancel it – everyone else on the shared policy will be covered for cancellation too. If you are on different insurance policies this will not be the case.

What should I do if I need to make a claim on my travel insurance?

You simply call us as soon as you can, and we’ll get to work. You’ll be glad to know 98% of our customers’ claims are processed within 5 working days***. It’s always a good idea to take a copy of your travel insurance policy with you on your trip.

If you have other questions about our travel insurance policies please do call us on 0800 033 4902. We’re always happy to help.

Get your travel insurance for back problems today

Get a quote in minutes and tailor your quote for you and your family’s medical and travel needs today.

Call us on 0800 033 4902, or tailor your quote online.

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* Moneywise Customer Service Awards 2017 & 2018, based on the biggest survey of financial consumers in Britain.
** 5.04% of people claimed on their Annual Travel Insurance Policy in 2017.
*** 98% is based on claims made between January and December 2017. Payment within 5 working days depends on the insurer receiving all relevant information and documentation.