Travel insurance Cover for those with medical conditions
Best rate travel insurance for those with specific medical conditions
Which? analysed the travel insurance market to find the best rates for those potential travellers with specific pre-existing medical conditions.
Our scenarios covered a 70-year-old traveller going to Europe for 15 days and a 50-year-old traveller taking out an annual worldwide multi-trip policy. The scenarios concerned travellers with high blood pressure, diabetes and a slipped disc.
The policies included still had to meet our minimum criteria - at least £2 million (Europe) or £5 million (Worldwide) worth of medical cover (including air ambulance), at least £1,500 of cover for baggage or personal belongings, and cover for lost or stolen money, £3,000 for cancellation and curtailment, a minimum of £1 million of personal liability cover, a 24-hour emergency helpline that you can call for advice and help and cover for legal expenses.
|Cover including pre-existing medical conditions|
|Provider||High blood pressure a||Diabetes b||Slipped-disc c|
|Best Rates: Single-trip (15-day trip to Europe for a 70 year-old)|
|Letsgoinsure.co.uk Travellers Choice||£32||£32||-|
|Explorer Travel Insurance Platinum||£36||£36||£36|
|JLT Travel Platinum||£39||£39||£39|
|Best Rates: Annual multi-trip (annual worldwide policy for a 50 year-old)|
|Letsgoinsure.co.uk Travellers Choice||£48||£48||-|
|MRL Insurance Premier||£61||£61||£61|
|Direct Travel Standard||-||-||£63|
- Has had high blood pressure for two to three years and takes ramipril once a day. A non-smoker with normal cholesterol levels
- Has type 2 diabetes and takes medication before each meal
- Diagnosed with a slipped (prolapsed) disc in the lower back three months previously. Off work for six weeks
Premiums were gathered during October 2012. It's worth checking with the insurer as there is a possibility the premiums have changed. This information is updated on a six-monthly basis - next update is due in May 2013.