Why do I have to pay more for my cover just because of my illness, occupation or hobby?
Insurance companies charge a premium for insurance based on how likely they feel you are to have a claim. If you have an illness or a 'high risk' occupation or hobby they can consider you more of a risk and therefore increase the premium. This process is called loading.
How much will they 'load' the policy by?
This will depend on many factors including how serious your illness is / how dangerous your hobbies or occupations are.
Will each company 'load' the premium by the same amount?
No, the loading can vary tremendously from one company to another. This is where we use our experience and contacts to make sure we apply to the correct company for your personal circumstances.
How long does the process take?
We would normally expect the insurance company to process the application based on information supplied by you rather than writing to the Doctor. If completed online the cover could be instant.
Will I need to have a medical examination?
In most cases no, the insurance company will usually rely on information supplied by yourself when you apply.
My illness is not shown in you're A-Z does that mean you can't help?
Not at all. The A-Z index covers the most common illnesses. If your particular condition is not there please enter your illness as OTHER and we will be pleased to try and help.
Do all people travelling, including those without pre-existing medical conditions, need to be insured on the same policy?
We recommend that all people travelling are insured on the same travel insurance policy so that there are no gaps in cover that can exist if separate policies are bought.
For example, if a Husband (with a pre-existing condition) and Wife take out separate policies and the Husband is taken ill and the holiday has to be cancelled the Wife may not be able to claim on her policy unless she has declared her Husbands illness to her insurers.
I'm taking medication to control my condition; do I still need to declare it?
Yes, the Underwriters need to be aware of all medical conditions including those that are under control by medication.
This is important as otherwise a claim may be invalidated if all material facts are not disclosed.
Do I really need insurance in European Community Countries?
Yes. The E111 has been established as a reciprocal arrangement between countries in the European Community on medical treatment. It does not cover everything. It makes a contribution towards the costs.
To ensure you are fully covered for all your medical expenses, baggage, personal money, travel delays and cancellations it is recommended that travel insurance is purchased.
Why does my pre-existing condition need cover?
When travelling abroad medical treatment can be very expensive. Should you require assistance without comprehensive cover it could be a very costly experience.