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 | 0845 839 9345 | Specialise in travellers with medical conditions |
| All Clear Insurance Services | 0870 777 9339 | Worldwide |
| ASDA Insurance | 0845 300 7131 | |
| Avanti Travel Insurance | 0800 066 5604 | |
| Direct Travel Insurance | 01903 812345 | Europe/America/Canada |
| Free Spirit | 0845 230 5000 | Europe |
| Freedom Insurance Services | 01223 454 290 www.freedominsure.co.uk |
UK, Europe& Worldwide. Lines open Mon-Fri 8.30 am - 5.30 pm (Sat 9 am - 12 noon) |
| Holiday and Medical Insurance (Mr Mike Smith) | 01773 769406 www.askaboutinsurance.info |
|
| Insure & Go | 0870 420 4162 www.insureandgo.com |
|
| J & M Insurance Services (UK) | 0845 230 5000 | For People with Disabilities and Medical conditions |
| Just Travel Insurance | 0800 231 5532 www.justthecover.co.uk |
Bespoke policies which cover 98% of all medical conditions |
| Marrs Insurance Brokers | 0870 920 2222 | |
| Medici Travel | 0845 8800168 www.medicitravel.com |
|
| MIA Online | 01268 782745 | |
| RIAS PLC | 0845 234 0011 | For over 50s |
| Staysure | 0844 692 8444 www.staysure.co.uk |
Travel Insurance for the Over 50s |
| The Insurance Surgery | 0800 083 2829 www.the-insurance-surgery.co.uk |
Broker |
| Travelbility | 0845 338 1638 www.travelbility.co.uk |
insure disabled or those with pre-existing conditions |
| World First Travel Insurance | 0845 90 80 161 www.world-first.co.uk/home/travel-insurance/medical-problems/medical-screening.aspx |
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.
The National Kidney Federation is registered in England and Wales as a Company limited by guarantee (Company No 5272349) and awarded charitable status (Charity Number 1106735). Give as You Earn contributions No. CAF GY511.
Registered Office:- The Point, Coach Road, Shireoaks, Worksop, Notts S81 8BW, Tel: (01909) 544999, Fax: (01909) 481723, Helpline: (0845) 601 02 09, E-mail: 
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Page created: 19 September 2006
Last updated: 17 January 2012