Why do you need Travel Insurance for pre-existing conditions? 2024

With our comprehensive medical travel insurance cover, you can be covered for medical emergencies of around £15 million. Depending on the plan you choose, you can also stash away £15,000 if you need to cancel your holiday due to your medical issue. During your absence, you will have access to 24-hour emergency medical assistance.

In our 2024 annual survey, over 84% of you claimed you would be traveling with multiple clinical conditions2, making comprehensive coverage vital.

Besides medical cover, travel insurance can cover you for various other occasions, such as baggage (up to £3,000). As long as there are no FCDO restrictions, you will be covered for travel to any country you choose.

On the other hand, without comprehensive coverage, you could be responsible for significant medical expenses. The British Insurers Association has discovered that emergency medical assistance in some areas of Europe can exceed £250,000. Moving house after a medical emergency can be very expensive; For example, an air rescue from the US could cost you between £80,000 and £100,000.

Vocational nurse specialist, Kay Greveson, explains further: “People don’t usually realize the cost of clinical emergencies abroad. It’s natural for people to think it won’t happen to them, but well-managed issues should also be covered, should the unexpected happen.

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We are the UK’s No. 1 for travel insurance. AllClear Medical Travel Insurance can cover all clinical problems and all ages. With the right travel medical insurance policy, you can take a trip with peace of mind, knowing that we will be there if it happens.

Covid cover when taking a flight with clinical problems

In our 2024 AllClear Annual Survey, 34% of you told us that excellent coronavirus cover was among the most important aspects when it came to choosing travel insurance2.

Our Covid-19 cover is rated ‘superior’ by one of the UK’s leading independent consumers, and is also listed as common with AllClear plans. This means you’ll be covered if you need to end your holiday because you’re found to have Covid, or for emergency clinical expenses if you contract Covid while on holiday.

So what is the pre-existing medical problem?

A pre-existing medical problem is any type of illness or injury for which you have had signs and symptoms, treatment, tests, surgical procedure, or clinical consultations within the past two years. These include diabetes, chronic obstructive pulmonary disease, a heart problem or cancer.

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Listing all pre-existing problems in your travel insurance cover will ensure you are covered if you need treatment when abroad.

When you get a quote with AllClear, we’ll consider a medical problem to be any type of problem that you or someone else on the plan has:

Taking any recommended medication or required medical treatment within the past two years
Be a registered or outpatient of a healthcare facility, center or GP undergoing surgery within the last two years
You are placed on a waiting list which may result in your trip being canceled or cut short
He was told he was terminally ill
You can declare your pre-existing medical problem to us when estimating online or over the phone, whichever you prefer.

The clinical examination procedure is a set of direct questions that determine the likelihood that you will need clinical assistance while abroad. Here are simply several of the clinical issues we offer coverage for:

  • high blood pressure
  • High in fat
  • Apoplexy
  • Bronchial asthma
  • Epilepsy

Registered clinical nurse expert, Kay Greveson, says: “Everyone has the right to travel and a clinical condition should not be a barrier to travel or holiday. However, a pre-existing medical problem can be affected by changes in temperature and climate and should always be declared, even if managed by medicine.

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