TRAVEL insurance can be a steep addition to any holiday especially if you have any pre-existing medical problems.
Reader Robert Cooksey emailed after trying to find the best deal when booking his medical insurance.
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Q: Two years ago I was diagnosed with asthma, I’ve been asked to go to Las Vegas but all travel insurance quotes are over £1000.
I think this is because at Xmas I needed oxygen as I took ibuprofen and had a bad reaction. Do you know a company I can try?
A: You are not alone Robert. Research from The King’s Fund has found at least 15 million people across the UK are living with at least one long-term health condition.
At least eight million people in the UK were diagnosed with asthma in 2017 alone and one in five Brits will suffer from it.
And travelling to the United States, it is ESSENTIAL to have comprehensive, good-quality cover as access to healthcare should something go wrong is cripplingly expensive.
Before you start to look for insurance have a chat with your GP and make a note of all your medical conditions over the past few years and medication you are taking so you can give comprehensive information and reduce the risk of having your insurance invalidated if something goes wrong.
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You must always declare everything – not doing so to save money will only end in disaster.
Enable Travel Insurance Services specialise in providing travel insurance for people with pre-existing medical conditions and provide cover for more than 1,300 medical conditions.
You can either fill in a relatively easy form online or chat to them direct to discuss a range of premium prices.
Sarah Townsend from Enable Travel Insurance Services, commented: “Finding travel insurance when you have a pre-existing medical condition can be challenging – there is often a lot of intrusive questions asked, lengthy forms, and premiums can be high.”
The company have also produced a guide on travelling with a pre-existing condition that offers advice, guidance and tips. See enabletravelinsurance.org.uk or call 0800 612 3743.
All Clear Travel Insurance is another broker that can compare the prices of 61 different companies to provide you with a range of quotes. You can call them on 0808 281 2155 or visit allcleartravel.co.uk.
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Other insurance concerns which have left Brits stumped are regarding Brexit delays and cancellations if there is No Deal.
Some insurance firms offer Brexit trip disruption cover to protect you from any travel problems.
You might be able to save on insurance with your bank account as well.
