Finding the right insurance
You should always shop around and get quotes from different companies.
Make sure you give them all the details of your medical problems. And anything you are having tests for at the moment. Even if you don’t think it is something that will cause a problem. If you are not sure about anything, always ask the insurance company to explain.
The insurance company can refuse to help you if you have a problem with your holiday but did not tell them about a medical condition.
As well as comparing prices, you should check the policy carefully before you pay for it. If you have a liver condition look out for:
- Medical expenses
Your policy should cover at least £1 million if you are traveling to Europe and at least £2 million if you are going to the USA.
- Getting you back home (repatriation)
Make sure your policy includes getting you home if you aren’t well enough to travel as planned.
- The “excess” payment
The excess is the amount of money you pay when you make a claim. Check if the excess is different for medical claims. Also check if you might have to pay the excess more than once. For example, if you claim for medical treatment and for a delayed departure.
Travel insurance companies for people with medical conditions
We cannot recommend a specific travel insurance company. This is a list of companies who offer insurance for people with pre-existing medical conditions. It includes companies that other people living with a living condition have suggested.
All insurance companies look for different things. So they might not all accept you. It is always a good idea to shop around for the best option.
You might have to call the company rather than using their online form and many will not offer insurance if you are currently waiting for a diagnosis.
Insurance companies
- Freedom Insurance Services LTD. 01223 446914
Freedom insure will give a donation to the British Liver Trust if you follow the link above and take out a policy with them. Please use the code BLT. Or mention the British Liver Trust if you call them.
- able2travel 01783 806 826
- AllClear Travel Insurance 0808 169 6785
- avanti Travel Insurance 0800 888 6195
- Citybond Suretravel
- Good to go insurance
- Insurefor
- it’s so easy 01223 785 513
- JD Travel 0344 247 4749
- Just Travel Cover 0800 249 2969
- MIA 0800 999 3333
- OK To Travel 01223 446 920
OK to Travel will give a donation to the British Liver Trust if you follow the link above and take out a policy with them. Please use the code BLT. Or mention the British Liver Trust if you call them.
- RIAS
- SAGA 0800 015 8055
- Staysure 0800 033 4902
- Sainsbury’s Bank
- Tesco Bank
- Total Travel Protection 0330 053 3747
- Travel Insurance 4 Medical 0345 90 80 121
- towergate insurance
Comparison sites:
- Medical Travel Compared
- paying too much 0124 378 4000