Thousands of travellers may not be covered despite having travel insurance
14 December 2010 15:53
Independent travel insurance specialist World First Travel Insurance has announced that thousands of people may not be covered by their travel insurance policy if they are travelling with people who have pre-existing medical conditions.
People travelling with family or friends who have or have had cancer or any other pre-existing medical condition are being advised to check their travel insurance policy to make sure they are covered should their travel plans be affected by illnesses of anyone in the party who has bought travel insurance elsewhere
Travel insurance through bank accounts, or other general added benefit schemes, provides travellers with standard cover – they do not provide cover for pre existing medical conditions if they have not been disclosed. Importantly, they also don’t cover accompanying travellers should a member of the party fall ill and travel be disrupted if the policy holder has not disclosed this information.
World First Travel Insurance, experts in medical travel insurance for pre-existing conditions, is raising awareness of the issues relating to travel insurance for people with pre-existing conditions and those travelling with them.
Martin Rothwell, Managing Partner of World First Travel Insurance said,: “We have seen a number of cases recently where people are travelling with a relative who has taken out a dedicated policy to cover their pre-existing conditions and they are assume they are covered through their standard policy. This is not the case.
“If you are travelling with someone who, for example, has had cancer, you need to disclose this information to the insurer. The reason for this is if your travel companion were to be taken ill due to their condition you would not be covered as you had not disclosed this information when buying a policy.
“When booking a holiday with someone who has a pre-existing medical condition it is essential to make sure any accompanying travellers disclose the medical conditions to their insurer, or are put on a joint or family travel insurance policy. That way if anything were to go wrong, everyone is covered.”
Anyone travelling with somebody who has a medical condition such as cancer, angina, asthma, diabetes, HIV, heart conditions or any other medical condition that has required treatment of any type, must take out a specialist medical travel insurance policy too. The costs for such policies vary and travellers are advised to shop around and find an expert insurer who can give the best deal, both in terms of the cost and the level of cover.
People travelling with someone with a pre-existing medical condition can be added to the policy of the other person, often for as little as £35.00.
Martin Rothwell added: “Make sure you disclose any information that may affect your travel or holiday, the last thing you want is to find yourself in a difficult situation where you could have been covered if you’d informed the insurer. Don’t assume you’re covered; it’s always best to double check and be sure so you can relax and enjoy your time away.”