Policy Summary:
3 Options available including:
Cruise Cover Option, Winter Sports Cover Option, Sports Travel Insurance...see all
Why Choose Able2Travel?
- Specialists in travel insurance for people with existing medical conditions
- Full Cover available for 1,000s of conditions
- Instant cover by telephone or quick and easy online screening in a few minutes
- Great value cover also available for you and everyone travelling with you
Medical Conditions Travel Insurance
Able2Travel Medical Conditions Travel Insurance
If you have a pre-existing medical condition, this should not stop you from travelling around the world. Although, you may have experienced the difficulty that comes with finding suitable and affordable travel insurance, as some travel insurance companies are unwilling to provide travel cover for travellers with pre-existing medical conditions.
Able2Travel Travel Insurance is here to help and can offer specialist medical travel insurance for those with pre-existing medical conditions. We can offer both Single Trip and Annual Multi-trip travel insurance policies, and you can tailor the travel policy to meet your individual requirements, with a range of options.
Please note: Able2Travel Travel Insurance provides cover for people up to the age of 79 on an annual multi-trip basis.
Don't delay purchasing your Specialist Travel Insurance for pre-existing medical conditions, that way you can then travel the world with confidence with the protection that Able2Travel Travel Insurance for existing medical conditions provides, should the unexpected happen.
Why choose Able2Travel Pre-existing Medical Conditions Travel Insurance?
Able2Travel Travel Insurance has over 15 years of experience in finding travel insurance cover for travellers with medical conditions. You can be assured of receiving a fast, sensitive, and competitively priced travel insurance solution that does not get in the way of your travel plans.
Our Specialist Travel Insurance for pre-existing medical conditions can cover up to £10 million in unexpected Emergency Medical Cover if you require treatment for your medical condition while abroad. Our Able2Travel policy also offers protection up to £5,000 should your trip get cancelled and/or interrupted. Furthermore, if your baggage gets lost, damaged, or stolen during your holiday, our medical condition travel insurance can cover up to £3,000.
What is a Pre-existing Medical Condition for Travel Insurance?
A pre-existing medical condition is any disease, illness, or injury you currently have or suffered from before you purchased your Able2Travel travel insurance policy. Able2Travel Travel Insurance has previously provided travel insurance for travellers with a wide number of common and severe medical and health conditions, including:
...and many more
Can I exclude a Medical Condition from the Travel Insurance Policy?
If you have been diagnosed with any of these pre-existing medical conditions, it is important you declare them when taking out your travel insurance policy with Able2Travel. If you do not declare your pre-existing medical condition, it can make your travel insurance policy invalid when it comes to making a claim.
To declare your medical conditions for your travel insurance policy, you can do it by completing our medical screening process online. Alternatively, you can speak with one of our specialists by the phone to complete this process.
Are You Looking for Travel Insurance While On A Waiting List?
If you’re currently on a waiting list for treatment or surgery for a diagnosed medical condition, this doesn’t necessarily mean you can’t or shouldn’t travel. Here at Able2Travel, there’s a strong possibility that we may be able to find you a Travel Insurance solution, so you can travel with peace of mind while on a waiting list.
We may even be able to find you cover just in case you have to cancel or end your holiday early, due to a change of date for your treatment or surgery, which many other insurance providers simply can’t offer.
To get a quote for Travel Insurance while on a waiting list for medical treatment, please contact Able2Travel on +44 (0)1483 806 826 to speak with one of our specialists.
What does our Able2Travel Medical Conditions Travel Insurance cover?
Our medical conditions travel insurance policies offer competitive protection for your trip including a wide range of policy benefits such as:
- Trip Cancellation - up to £5,000
- Emergency Medical Cover – up to £10 million
- Baggage - up to £3,000
- Travel Delay & Missed Departure - up to £1,000
- Travel Accident - up to £20,000
Other Areas of Cover Included as Standard
- Cover for 1,000s of Medical Conditions
- Cruise Cover
- Loss of Travel Documents - up to £500
- Plus so much more...
Additional Cover Available
- Optional Sports Cover
- Additional Cover for your cruise - including missed port cover
Click here to see the full Able2Travel Travel Insurance Table of Benefits.
What COVID Cover Is Available on Able2Travel Travel Insurance For Those With Medical Conditions?
All our Able2Travel Medical Condition Travel Insurance policies include Coronavirus (COVID-19) cover at no additional cost. However, our policy will ONLY provide cover for claims directly or indirectly related to a pandemic and/or epidemic, including but not limited to Coronavirus (COVID-19) within the following sections:
- Section A – Trip Cancellation
- Section B – Trip Interruption
- Section C – Travel Delay & Missed Departure
- Section F – Emergency Medical Cover/Dental Cover Abroad
- Section G - Emergency Transportation
You can find full details of what is and isn't covered in relation to Coronavirus within the policy wording.
Click the “Get a Quote” button to get specialist medical travel insurance with COVID cover to protect your holiday.
Medical Condition Travel Insurance - Policy Features
Able2Travel Travel Insurance offers 3 levels of cover for both Single Trip and Annual Multi-Trip medical condition travel insurance policies, enabling you to pick a travel policy that is suited for your individual needs.
The policy features table below will help you understand the different features on Single and Annual Multi-Trip medical conditions travel insurance policies depending on the level of travel cover that you choose.
|
Single Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at date of departure (travel to areas 1, 2 & 3) | No Limit | No Limit | No Limit |
| Maximum age at date of departure (travel to area 4) | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 365 days | 365 days | 365 days |
| Maximum period per Trip if aged 66 to 79 years | 45 days | 45 days | 45 days |
| Maximum period per Trip if aged 80 to 85 years in all areas excluding area 4 | 31 days | 31 days | 31 days |
| Maximum period per Trip if aged 86 years and over in all areas excluding area 4 | 23 days | 23 days | 23 days |
| Maximum period per Trip if aged 80 years and over in area 4 | No Cover | No Cover | No Cover |
|
Annual Multi-Trip Policy Features |
|||
|
Silver |
Gold |
Platinum |
|
| Maximum age at start date of the period of cover shown on Your certificate | 79 | 79 | 79 |
| Maximum period per Trip if aged 65 years or under | 31 days | 31 days* | 31 days* |
| Maximum period per Trip if aged 66 to 75 years | 31 days | 31 days** | 31 days** |
| Maximum period per Trip if aged 76 to 79 years | 31 days | 31 days | 31 days |
| Business travel included | Yes | Yes | Yes |
| Trips within your country of residence (refer to definition of trip for further information) | Included | Included | Included |
| Family members can travel separately if named on Your certificate | No | No | Yes |
| Wintersports (Activity pack 5) upon payment of an additional premium and shown on Your Policy Certificate - up to total maximum of | 21 Days | 21 Days | 21 Days |
*Available to extend to 45 days or 60 days for an additional premium.
**Available to extend to 45 days for an additional premium.
How do I get a Medical Conditions Travel Insurance Quote?
It’s quick and easy to get an Able2Travel Travel Insurance quote for medical conditions: just click the ‘Get a Quote’ button to get a medical conditions travel insurance quote online, or if you prefer to speak with someone then you can call our team direct on 01483 806 826.
All travel insurance for medical conditions enquiries are dealt with on a case-by-case basis. In addition to the Able2Travel Travel Insurance policy, our specialists have access to a wide range of travel insurance options and will assist you in finding travel cover for all medical conditions. The Able2Travel Travel Insurance policy is used whenever possible and a suitable alternative travel insurance policy may be offered for more serious health problems, so you can find the travel cover you need with one call to Able2Travel Travel Insurance.
For a medical conditions travel insurance quote please call 01483 806 826 or click the button below!
What is Travel Insurance for Medical Conditions and What Does it Cover?
While going on holiday or travelling abroad should be a fun and enjoyable experience, sometimes the unexpected can unfortunately happen, for example, having to cancel your travel plans if you tested positive for Coronavirus (COVID-19), losing your personal baggage when overseas, or having to pay medical expenses for emergency medical treatment during your holiday.
But, if you have pre-existing medical conditions, it is sometimes difficult to find a Travel Insurance with the appropriate level of coverage for your medical conditions too, and without a suitable policy, it could leave you having to pay medical expenses for any emergency medical treatment you may need for your condition during your holiday.
Able2Travel Travel Insurance is specialist medical Travel Insurance designed to give people with or without pre-existing medical conditions financial peace of mind, so you are covered should something unexpected happen and not left out of pocket, in the event of a valid claim.
Benefits of Travel Insurance for Medical Conditions
The following is a summary of the benefits of Travel Insurance for Medical Conditions. There are just some of the areas of cover included as standard across all levels of cover on our Able2Travel Travel Insurance policy. Please read the policy wording here for the full cover available under the policy.
Trip Cancellation
If your trip is cancelled or rescheduled for a covered reason, we will reimburse you for your non-refundable trip payments, deposits, cancellation fees and change fees (less any available refunds), up to the maximum benefit for ‘Trip Cancellation’ shown in the ‘Cover Summary’ less the excess.
NOTE: This benefit only applies before you have left for your trip. Read More.
Covered Reasons:
- You or a travelling companion becomes ill or injured, or develops a medical condition disabling enough to make you cancel your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- You, a travelling companion, family member or your service animal dies on or after the date your policy was issued.
- You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
- You or a travelling companion is in a traffic accident on the departure date.
- You are legally required to attend a legal proceeding during your trip.
- Your primary residence becomes uninhabitable.
- Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
- You or a travelling companion is involuntarily made redundant by a current employer after your trip booking date.
- You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
- You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
- Your or travel companion's travel documents required for the trip are stolen.
Emergency Medical/Dental Cover Abroad
Medical treatment outside of the UK can be very expensive. If you receive emergency medical or dental care while you are on your trip abroad for one of the covered reasons, we will reimburse the reasonable and customary costs of that care for which you are responsible, up to the maximum benefit for ‘Emergency medical/dental cover abroad’ shown in the ‘Cover Summary’ (dental care is subject to the maximum sublimit listed for ‘Dental Care’). Read More.
- While on your trip abroad, you have a sudden, unexpected illness (including unexpected complications of pregnancy orn childbirth), injury or medical condition that could cause serious harm if it is not treated before your return home (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- While on your trip abroad, you have a dental injury or infection, a lost filling or a broken tooth that requires immediate treatment.
If you need to be admitted to a hospital as an inpatient, we may be able to guarantee or advance payments, where accepted, up to the limit of the Emergency medical/dental cover abroad section.
Please Note: If you have pre-existing medical conditions and need cover in case you require emergency medical treatment related to them, you will need to complete a medical screening beforehand to see if cover is available and pay the appropriate additional premium.
Travel Delay & Missed Departure
If your or a travelling companion’s trip is delayed for one of the covered reasons, we will reimburse you for the following expenses, less available refunds, up to the maximum benefit for ‘Travel Delay’ shown in the ‘Cover Summary’. Read More.
Covered Reasons:
- Your lost prepaid trip expenses and additional expenses you incur while and where you are delayed for meals, accommodation, communication and transportation. The delay must be for a minimum delay of 12 full hours and a maximum daily limit also applies as shown in the ‘Cover Summary’.
- If the delay causes you to miss the departure of your cruise or tour, necessary transportation expenses to either help you rejoin your cruise/tour or reach your destination.
- If the delay causes you to miss the departure of your flight or train due to a local public transportation delay on your way to the departure airport or train station, necessary transportation expenses to either help you reach your destination or return home.
Travel Accident
If you have an accident during your trip that causes physical bodily injury to you, we will pay you or your personal representatives up to the amount for ‘Travel Accident’ shown in the ‘Cover Summary’ if the accident results in one of the following:
- your death within a year of the accident; or
- your permanent disability (including permanent loss of your sight or loss of use of a hand or foot) within three months of the accident.
Please refer to the policy wording for full details on this area of cover.
Please Note: Any immediate injuries you suffer from such an incident would be dealt with under the Emergency Medical Cover section (Section F).
Trip Interruption
If you have to interrupt your trip or end it early due to one or more of the covered reasons, we will reimburse you, less available refunds, up to the maximum benefit for ‘Trip Interruption’ shown in the ‘Cover Summary’. Read More.
Covered Reasons:
- You or a travelling companion becomes ill or injured, or develops a medical condition that is disabling enough to make you interrupt your trip (including being diagnosed with an epidemic or pandemic disease such as COVID-19).
- A family member who is not travelling with you becomes ill or injured, or develops a medical condition (including being diagnosed with an epidemic or a pandemic disease such as COVID-19).
- You, a travelling companion, family member or your service animal dies during your trip.
- You or a travelling companion is quarantined before your trip due to having been exposed to a contagious disease or epidemic/pandemic.
- You or a travelling companion is in a traffic accident.
- You are legally required to attend a legal proceeding during your trip.
- Your primary residence becomes uninhabitable.
- Your travel carrier cannot get you to your original itinerary’s destination for at least 24 consecutive hours from the originally scheduled arrival time due to natural disaster or severe weather.
- You or a travelling companion serving as a first responder is called in for duty due to an accident or emergency (including a natural disaster) to provide aid or relief during the originally scheduled trip dates.
- You or a travelling companion is a traveller on a hijacked aircraft, train, vehicle, or vessel.
- You, a travelling companion or a family member serving in the armed forces is reassigned or has personal leave status changed, except because of war or disciplinary action.
- You miss at least 50% of the length of your trip due to travel carrier delay, a strike or industrial action, natural disaster, roads are closed due to severe weather, lost or stolen travel documents that cannot be replaced in time, or civil disorder.
- A travel carrier denies you or a travelling companion boarding based on a suspicion that you or a travelling companion has a contagious medical condition (including an epidemic or pandemic disease such as COVID-19). This does not include being denied boarding due to your refusal or failure to comply with rules or requirements to travel or of entry to your destination.
Baggage
If your baggage is lost, damaged or stolen while you are on your trip, we will pay you, less available refunds, the lesser of the following, up to the maximum benefit for ‘Baggage’ as shown in the ‘Cover Summary’. Read More.
- Cost to repair the damaged baggage; or
- Cost to replace the lost, damaged or stolen baggage with the same or similar item, reduced by 10% for each full year since the original purchase date, up to the maximum of 50% reduction.
Please Note: The gadgets that you take on holiday may not fall under the Baggage definition in the policy wording or the valuables limit, and meaning your gadgets may not have cover when you are abroad. You may need to also purchase the gadget cover Option to cover them.
Above are a few reasons why it is a good idea to have specialist travel insurance for your medical conditions before travelling. Ensuring you have the appropriate cover should an unexpected incident happen during your holiday. Furthermore, Able2Travel Travel Insurance has a wide range of features and benefits that is also available for senior travellers too!
Please see the policy wording for full details.
Additional Policy Options For Pre-Existing Medical Condition Travel Insurance
Cruise Cover Option
Add Optional Cruise Cover to your Able2Travel Travel Insurance policy to include specific cruise related cover for Missed Port, Cabin Confinement, Low/High Water, Shore Excursions, and Denied Boarding.
Winter Sports Cover Option
Winter Sports Cover will provide protection for lost, damaged or stolen ski equipment whether its owned or hired, and cover in place should you miss any prepaid activities.
Sports Travel Insurance
Add the Sports Cover Option to your Able2Travel Travel Insurance policy if you plan on taking part in sports whilst on your trip, including Golf!
Important Information for Customers with Serious Medical Conditions
MoneyHelper has developed a directory of specialist travel insurance to ensure customers with pre-existing medical conditions are easily able to obtain access to affordable travel insurance. If we are unable to help you and you are struggling to find medical cover that suits your needs, due to a serious medical condition, you may find a company that can help you through the MoneyHelper travel insurance directory www.moneyhelper.org.uk/en/everyday-money/insurance/travel-insurance-directory or by calling 0800 138 7777 - Monday to Friday, 8am – 6pm.