This Step by Step Travel Insurance Application Guide is aimed at visitors with pre existing conditions who are looking to source competitive Travel Insurance.
We would always suggest that you read our full travel insurance article before making any application and as always this guide should only be used as one of your research tools.
To use the Step by Step Travel Insurance Application Guide simply proceed through each step until you have the cover you are happy with. Please make sure that you read all the conditions of any policy bought and you are happy that the contract meets your needs.
Do you already have Travel Insurance Cover?
It is possible that you already have an existing policy without realising it. Do you pay a monthly fee for your bank account? Does your House Insurance also cover Travel Insurance?
If you find that you do have cover then you need to either carefully check your documents or ring your Insurance Provider and ask if they automatically cover you pre existing conditions. The chances are that unless the conditions is very mild the answer will be ‘No’ but it is worth asking!
IF THIS DOESN’T PROVIDE SATISFACTORY COVER CLICK ON STEP TWO
If you have still not sourced suitable cover after following the three steps above, then please try steps 4 and 5 below. Please note that these steps DO NOT give comprehensive cover so please consider their limitations carefully.
If you are travelling to a country within the European Economic Area (EEA) then this step may meet your needs.
If you are travelling outside the EEA please move to Step 5.
A good compromise is an EHIC (European Health Insurance Card) Top Up Policy. These policies are little known but they add the ‘travel insurance’ benefits to your EHIC card. This then provides you with cover such as luggage loss, cancellation and repatriation while your EHIC Card still takes care of your medical cover.
Please see our Tricks of the Trade section for more information on these policies and their restrictions.
- Mild pre existing conditions are automatically covered. The conditions covered are named on their website (click to view)
- If your condition isn’t named then it is excluded and you should consider Europe Plus Cover.
- They offer Medical screening for pre existing conditions (click to view)
These policies will only be applicable if you have a valid EHIC card. If your card has expired or you need a new card you can apply online. You can apply for a free new card here.
Due to leaving the EU the terms of the EHIC card may alter. The most up to date information can be found at gov.uk. We would also suggest you read the excellent information at Money Saving Expert and speak to your insurer for clarification before purchasing a policy.
IF THIS DOESN’T PROVIDE SATISFACTORY COVER CLICK ON STEP FIVE