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 |
|---|---|---|
| All Clear Plus | 0870 777 9339 | Worldwide |
| ASDA | 0845 300 7131 | |
| AXA | 0800 068 3911 | |
| City Bond | 0870 220 3937 | You may have to go through a broker - very good premiums |
| Direct Travel | 01903 812345 | Europe/America/Canada |
| Free Spirit | 0845 230 5000 | Europe |
| Forties | 0800 587 5048/5049 | |
| Holiday Services | 01773 747426 | UK/Ireland/Europe/America/Canada |
| J&M Insurance Services | 0207 446 7626 | For People with Disabilities and Medical conditions |
| JD Consultants | 0208 313 3353 | Broker |
| Make Sure | 0870 410 0650 | Worldwide |
| Marks & Spencers | 0800 068 3918 | Worldwide |
| Medicover | 0870 735 3600 | Worldwide |
| Mediquote | 01243 534438 | Worldwide |
| P J Hayman | 0239 241 9050 | Worldwide |
| Post Office | Forms from Local Office | |
| Pulse Insurance | 0871 208 8630 | |
| Tesco | 0845 300 8800 | Worldwide |
| Travellers Protection Service (TPS) | 0870 77 47 377 | Worldwide |
| The Insurance Surgery Ltd. | 0800 84 96 444 | Worldwide. Internet Link |
| Worldwide Travel Insurance | 0870 112 8100 | Worldwide |
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) (which replaces E111 forms from January 2006 - 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.
Page created: 19 September 2006
Last updated: 26 June 2008
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