Travelling with Medical Conditions

Did you know that almost 50% of the UK population take regular prescribed medication for a medical condition? Chances are that somebody in your travelling party will need to declare a pre-existing medical condition for your trip this year.

What is a pre-existing medical condition?

Here at Fit2Travel we define a pre-existing medical condition as any serious or reoccurring medical condition which has been previously diagnosed, investigated or treated in any way and at any time prior to travel.

What happens if I don’t declare a medical condition?

You run the risk of potentially losing tens of thousands of pounds if you fall ill abroad, all to save a few pounds on your insurance.

A good quality medical travel insurance policy, like one provided by Fit2Travel, will make sure that you find a policy to suit your needs, and the needs of your travelling party. It will offer cancellation cover if your doctor deems you unfit to fly due to a pre-existing medical condition or flying you home should you need to cut your trip short.

What needs to be declared?

You’ll be asked a set of standard questions about your medical history, if you answer these honestly you should be fine, but often people don’t consider hidden or less apparent conditions, for example mental health issues. If you or a member of your travelling party is suffering or has suffered from depression or anxiety, that has been diagnosed professionally, it must be declared on your travel insurance policy.

Other things that are occasionally overlooked are asthma, especially if you haven’t had an attack in a while or diabetes that’s controlled by diet.

It’s essential that you, and your travelling party, are completely truthful when discussing medical conditions, you could find yourself without cover if you aren’t.

Specialist Medical Insurance

If you or somebody on your trip has a serious medical condition or has complex needs, you may need to consider a specialist medical travel insurance policy. Our companion product MIA specialises in finding policies for those customers who have had trouble finding insurance elsewhere or have found premiums too high.

MIA has two insurance products working side-by-side to a achieve a complete solution to your insurance needs. For customers who have, or have had, serious medical conditions MIA has a product designed to be inclusive off most needs, including those given terminal prognosis or have secondary cancers.

MIA’s second product has created to cover those with mild conditions or none at all. This is especially helpful if members of your travelling party don’t require specialist cover, but you’d like to all be on one policy.

At MIA they base each premium on the individual, not the highest risk traveller, meaning you could save overall and still have a policy to suit all needs. To find out more visit the MIA website.

Fit2Travel offer travel insurance for a range of holiday types and activities from winter sports, cruise cover and even backpacker insurance! We have an option for almost any holiday and traveller, so get a quote today.