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.

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’):

• While on your trip abroad, you have a sudden, unexpected illness, 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

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.

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.

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’:

• 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.