The NKF Holiday Pages - Holiday Insurance
It is important that you don’t book your holiday until you have taken out holiday insurance which covers you for a ‘pre-existing medical condition’ (see ‘Warning’ below). Most standard policies do not provide this type of cover and, below, is a list of companies that may be able to help if you have problems obtaining insurance:
|Company||Contact Details||Comments -see note|
|Able2Travel||01892 839 501 www.able2travel.com||Specialise in travellers with medical conditions|
|All Clear Insurance Services||0845 250 5350/5250||Worldwide|
|Explorer Travel||0800 043 4003||Ov er 65s|
|Avanti Travel Insurance||0800 066 5604 |
|Liverpool Victoria||0800 022 3919|
|Free Spirit||0845 230 5000||Europe|
|Freedom Insurance Services||01223 454 290 |
|UK, Europe & Worldwide. Lines open Mon-Fri 8.30 am - 5.30 pm (Sat 9 am - 5pm)|
|Saga||0800 056 5464||50+|
|Holiday and Medical Insurance (Mr Mike Smith)||www.askaboutinsurance.info|
|Columbus Direct|| |
0800 068 0060
|Staysure Travel Insurance|| |
0800 033 4902
|JS Travel Insurance||0800 047 5065 ||www.jsinsurance.co.uk|
|Just Travel Insurance||0800 542 7162 |
|Bespoke policies which cover 98% of all medical conditions|
|Medici Travel||0845 8800168 |
|MIA Online||0845 647 2777|
|RIAS PLC||0845 045 1320||For over 50s|
|Travellers Protect||0845 230 0631||Worldwide|
|The Insurance Surgery||0800 083 2829 |
|Travelbility||0845 338 1638 |
|insure disabled or those with pre-existing conditions|
|World First Travel Insurance||0845 070 8902 |
|Medical Travel Insurance|
Note: Insurance companies can and do change their Terms & Conditions - always ensure you have current information on Policies. Also note that insurance companies usually take each case on its merits; it is usually a case of phoning around and finding the one that is the most suitable for you.
Remember that, in Europe, in addition to the correct holiday insurance, you should also carry a European Health Insurance Card (EHIC) (click here for more details).
The National Kidney Federation would welcome any feedback on the above companies; Also, details of any other insurance companies that you have found helpful with regard to insuring people with pre-existing conditions (Contact details below).
WARNING - Many Insurance Companies take on new policies without asking any medical questions. They are able to do this because they rely on a clause in the small print which says that they will not cover pre-existing medical conditions. Patients must realise that such policies do not give them Insurance cover, and that any claims as a result (both directly and indirectly) of existing kidney disease under such a policy would not be honoured in the event of a claim. Whether you were accepted (without disclosing existing illness) and are paying the premium, is irrelevant in such cases.
To travel abroad without Insurance that covers you for your pre-existing medical conditions could be catastrophic financially.
The National Kidney Federation cannot accept responsibility for information provided. The above is for guidance only.