Should I declare IBS on my travel insurance?

Around one third of the UK will live with a form of IBS at some stage of their lives.** It’s a condition that’s more common than you might have realised.

The severity of IBS varies; although you might feel that IBS isn’t something that drastically affects you on a daily basis, it’s always best to declare IBS on your travel insurance. Particularly when you want to have a carefree break, with the peace of mind that if anything were to go wrong, you have our support.

With proper insurance, you can be rest assured that you have a helping hand available if the worst happens. We like to do things right. This may be a reason as to why we were voted the Most Trusted Travel Insurance Provider of 2018.***

So, when travelling with Irritable Bowel Syndrome, it makes sense to have proper cover in place.

From a stolen passport to a medical emergency, having the right travel insurance makes sure you’re covered in the worst of times.

Claiming on your travel insurance is more common than you might think, with 1 in 20 people needing to claim on their Annual policies in 2017.****

We like to do things the right way and we’re sure you do too. It’s better to be safe than sorry. So, if you declare and need to claim because of (directly or indirectly) your IBS, you’ll be covered.

It’s really important to declare all conditions that you have – even if you think they aren’t important or that you won’t need to claim.

If you have a condition but don’t add it to your policy, it could very likely affect the chance of a claim being accepted when you need it.

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What does our travel insurance 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

Disclosing IBS on your travel insurance

Getting a quote tailored to your needs is an easy process, and can be done in minutes online or if you prefer, you can speak to a member of our friendly team today on 0808 281 8389.

We’ll want to know how your IBS and other conditions you may have affect you, to make sure your cover is suitable for your needs.

The process involves asking your holiday information, age and additional cover options you may need, as well as completing a short medical screening. The process isn’t rushed and is completely confidential.

Do make sure that all information given to us is accurate and covers your medical history. If you forget to disclose something relevant to your medical situation, this will affect your policy if you need to make a claim later down the line.

What questions will I be asked in the medical screening?

When completing our screening, we’ll ask…

  • How many medicines do you take for this condition?
  • Do I need a European Health Insurance Card (EHIC) when travelling with IBS?

Do I need a European Health Insurance Card (EHIC) when travelling with IBS?

An EHIC covers all EEA countries (that’s all EU members plus Iceland, Liechtenstein, Norway and Switzerland), and it is a condition of our insurance that you carry your EHIC with you if you’re travelling to any of these locations.

An EHIC will entitle you to subsidised or free healthcare in most European countries when using their state healthcare provider.

But although an EHIC may reduce the costs of healthcare when you’re away, it won’t serve as a substitute for good travel insurance.

An EHIC won’t cover you for stolen luggage, a lost passport or the cost of repartitation (being flown home in the case of a medical emergency.) Nor will it cover the costs of needing to cancel your holiday because of medical circumstances.

So, while an EHIC is a vital part of our insurance, it doesn’t serve as an alternative to proper cover. It’s better to be safe than sorry, if the worst were to happen.

Isn’t it worth doing right?

To choose the travel insurance cover that’s just right for you, simply talk to us for free on 0800 033 4902 or get a quote online.

 

Get your travel insurance quote to cover IBS today

Talk to a member of our friendly team today on 0800 033 4902. Or, you can get a quote online in just a few minutes below.

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*£15,000 cancellation cover available on comprehensive policies subject to further underwriting criteria
**The IBS Network
***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.