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Specialist providers 'best bet' for medical travel insurance

19 February 2009 15:55

Specialist providers 'best bet' for medical travel insurance

Most insurers claim to offer some sort of travel insurance for people with HIV and pre-existing medical conditions but very few provide specialist policies catered to people with HIV, it has been suggested.

According to, a site which compares holiday insurance based on the contents of policies rather than the headline prices, specialist insurance can often offer better value than general policies, as well as providing better protection.

Analysing several policies, it found that a premium for an HIV positive, 35-year-old male would cost £195.42 with Freedom and £237.12, while the same customer could receive specialist cover from World First Travel Insurance for just £100.50.

Speaking to the website, Martin Rothwell, managing partner at World First Travel, explained that many insurers refuse to offer protection to HIV positive travellers, while others sometimes limit cover to Europe.

"The client will have to undergo a medical screening to ascertain the extent of the illness," he said.

"This can lead to the traveler having to deal with a number of different call centres and impart information to several different parties," Mr Rothwell added, explaining that all screening is done in-house at World-First Travel by specially trained staff.

This week, Louise Thomas, of cancer charity Macmillan, told the Daily Mail that the majority of people affected by the disease find taking out travel insurance a distressing experience.ADNFCR-1320-ID-19032249-ADNFCR