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iPMI Magazine provides premium and freemium content delivery solutions specifically tailored to the international private medical insurance market.

Using the latest technology, iPMI Magazine delivers critical iPMI business communications to an eclectic worldwide readership, from international medical payor to global service provider. 

iPMI Magzine News classifications include:

Write to ipmi[at]ipmimagazine.com to learn more, or to submit content. 

About iPMI Magazine

Due to the nomadic nature of the international private medical insurance (IPMI) industry, iPMI Magazine is an internet based news service for worldwide insurance and assistance professionals who need to understand the impacts of insurance and healthcare policy, regulatory, and legislative developments.

Over 40,000 senior level business decision makers, in over 120 countries, rely on iPMI Magazine to stay 1 step ahead of the risk and on the inside track of international PMI. Covering business travellers, high net worth individuals, expatriate and leisure travel markets, iPMI Magazine is the only international news source covering the most exciting sector of international health insurance: international private medical insurance.

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GroupCollect Selects Trip Mate, A Generali Global Assistance Brand, To Offer Travel Insurance For Group Tour Operators

GroupCollect, an online registration and payment platform for professional, multi-day group tour operators has selected Trip Mate, a Generali Global Assistance (GGA) brand to offer travel insurance through its online platform. 

"After more than a year, people are optimistic about traveling again," said Corey Black, CEO and Co-Founder of GroupCollect. 

"Group tour operators, particularly in the adult segment, have seen a reduction in the number of travel protection product options in recent months. The partnership between GGA and GroupCollect allows us to help our shared customers provide peace of mind to travelers during the booking process."

Travelers registering through GroupCollect will be given an option to protect their travel investment with Trip Mate travel insurance during the booking process without having to leave the purchase path.

Chris Carnicelli, CEO of Generali Global Assistance, commented on the news, "As a leading provider of travel insurance solutions to tour operators, retail travel organizations and cruise lines we have anticipated and are prepared for return to travel, especially young adult, adult and student group travel. As group tour operators become increasingly reliant on digital platforms to plan, register and manage payments for group tours, we're proud to partner with GroupCollect to provide their clients and customers with Trip Mate travel protection plans as they look to book their next outdoor expedition."

The partnership will allow GroupCollect tour operators to provide Trip Protection to their customers during registration, which includes relevant coverages and services, such as:

  • Trip Interruption & Trip Cancellation: coverage if a customer's upcoming trip is cancelled or interrupted due to sickness or injury. Interruptions or cancellation as a result of customer or their traveling companion becoming ill with COVID-19 can be covered.
  • 24/7 Travel Assistance in US and worldwide (not an insurance benefit): customers will also have 24/7 access to GGA's travel support services including medical & legal assistance, traveling companion assistance, assistance locating lost or stolen items, assistance in replacing prescriptions while traveling, and pet assistance.
  • Optional Cancel For Any Reason Enhancement to the plan: Available at an additional cost, if a customer cancels their trip for any reason not otherwise already covered by this plan, benefits will be paid for 75% of the prepaid, forfeited, non-refundable payments or deposits paid by the customer for the trip, provided plan terms and conditions are met.

Generali Global Assistance (GGA) is a leading brand comprised of Travel Insurance & Assistance, Medical Risk & Home Care Management, Identity & Cyber Protection, as well as other care services. GGA is part of the Generali Group, which for over 190 years has provided peace of mind to its clients and their customers and is now supported by more than 72,000 employees worldwide. Our success has been built on establishing trust by putting the customer at the core of everything we do, offering assistance and protection during our customer's most difficult and stressful situations.

Trip Mate travel protection products and services provide travelers with extensive coverage while they are away.  Travel protection products from Trip Mate that are offered through GroupCollect include travel insurance underwritten by United States Fire Insurance Company.

GroupCollect was built to help tour providers and trip leaders collect all the passenger information & passenger payments needed to book group trips. Tour providers now have access to a simplified digital platform that not only provides organization but gives them tools to increase their revenue streams through add-ons like travel insurance, upgrades, and excursions.

To learn more about Generali Global Assistance, please visit: https://us.generaliglobalassistance.com/  

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Medical Travel Compared Highlights The Importance Of Declaring Mental Health Conditions On Travel Insurance

UK Mental Health Awareness Week will take place from 10 – 16 May 2021.

Following a year like no other, the coronavirus pandemic has induced a considerable degree of fear, worry and concern for people of all ages and backgrounds. The psychological impact of extended lockdowns and restrictions has undoubtedly elevated the rates of stress and anxiety but has also increased the number of people with depression and other psychological conditions.

According to Chapter 2 of the ‘COVID-19 mental health and wellbeing surveillance report’ as published by Public Health England, it found that the proportion of adults who reported a clinically significant level of psychological distress increased from 20.7% in 2019 to 29.5% in April 2020, before returning to 21.4% in July 2020 and 21.5% in September 2020.

With the world beginning to re-open and many looking forward to brighter times ahead, for some, booking a holiday may be high up on the list of priorities. However, holidaymakers may need to declare a pre-existing health condition, including psychiatric or psychological conditions, such as post-traumatic stress disorder and depression.

While most conditions will only need to be declared if a person has been diagnosed or received treatment (including repeat prescriptions) for the condition within a certain timeframe (usually two years), there are some conditions that providers will need to know if a policyholder has ever suffered from.

Tommy Lloyd, Managing Director of Medical Travel Compared, said, “The strain of the last year has had an impact on the vast majority of people’s mental health, and sadly for some, to a much further extent. For those who have been diagnosed with a mental health illness or have received treatment or medication for a condition, they should declare this to their insurer when purchasing travel insurance to ensure they have the correct level of cover.

“There is often confusion in terms of what medical conditions people need to declare to ensure they are fully covered by their travel insurance policy.  At Medical Travel Compared, we aim to help travellers compare the cover offered by different providers, so they have a clear understanding on what they are buying and can choose the most comprehensive policy at the best price and can ensure they are covered should the worst happen.”

Dr Sarah Jarvis, general practitioner and television doctor commented, “If you’ve previously sought assistance from the doctor regarding your mental health, there are a number of things to consider if you are thinking about taking a holiday. Depending on what mental health illness you suffer from, you should consider whether your condition is stable and if your symptoms are under control. If you are taking medication, you should continue to take it regularly during your trip and make sure you have enough supplies for the whole trip while also taking any time zone changes into account.

You should also consider different eventualities that may occur on a trip, such as what you would do if your situation deteriorated while you were away and whether your mental health condition prevents you from recognising how unwell you if your state worsens. With all this in mind, I would advise anyone booking a future holiday to make sure they have adequate travel insurance to cover any medical care or cancellation costs if needed.”

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58.1% Of Americans Are More Likely To Buy Travel Insurance

Generali Global Assistance (GGA) today released the findings of its Holiday/2021 Travel Sentiment Survey which surveyed 1,138 U.S. travelers between October 26 and November 5, 2020 on their upcoming travel plans and preferences.

According to the findings, 74% of U.S. travelers who indicated they would be traveling in 2020 are planning to travel during the upcoming holiday season and 47.6% of U.S. travelers are likely to purchase travel insurance for their trips in 2020. 

“The average person’s willingness to travel is increasing and while there’s still plenty of pandemic related uncertainty, according to our Holiday/2021 Travel Sentiment Survey, most Americans are planning to travel domestically during the upcoming holiday season,” said Chris Carnicelli, CEO of Generali Global Assistance. “The pandemic has also impacted the average consumers’ willingness to purchase travel insurance with almost 60% of U.S. travelers indicating they are more likely to buy travel insurance now compared to their willingness to buy before the Covid-19 pandemic. Consumers’ demands around travel will continue to change in the wake of the pandemic and our team is consistently looking for ways to enhance our offerings in response.”  

Travel Intentions 

2020 

  • All of the consumers surveyed indicated that they were planning to travel in the next 18 months.  
  • 73.6% of travelers who said they would be traveling this year indicated they were planning to take a trip during the upcoming holiday season.  
  • 85.1% of the survey participants who said they would be traveling in 2020 indicated they’d be traveling for leisure in the remainder of the year, while 24.6 % indicated they’d be traveling for business. 

2021 

  • 78.5% of travelers indicated they were planning to travel in either the spring or summer 2021.  
  • 90% of the survey participants indicated they’d be traveling for leisure in 2021, while 17.5% indicated they’d be traveling for business. 

Destinations 

2020 

  • Due to the pandemic, consumers’ confidence towards international travel remains low in both 2020 and 2021. 
  • 64.5% of the survey participants traveling in 2020 plan to travel domestically while 22.1% of them planning to travel internationally.  

2021 

  • 63.1% of the survey participants traveling in 2021 plan to travel domestically while 23.1% of them planning to travel internationally.  
  • However, 53.9% of the U.S. travelers surveyed indicated that will comfortable traveling internationally again 6 months after a vaccine is available for Covid-19.  
  • The survey also identified the countries and states that most U.S. travelers plan on traveling to in 2021:

Top 5 International Destinations in 2021 

Top 5 Domestic Destinations in 2021 

France 

Florida 

Mexico 

California 

Italy 

New York 

Germany 

North Carolina 

Canada 

Texas 

 Accommodations & Transportation 

  • During the upcoming holiday season, 53.3% of the survey participants who indicated they would travel in 2020 are planning to stay in a hotel for their trips.  
  • 49.5% of those who were traveling in 2020 indicated they would be staying at a vacation rental for the holidays booked either through AirBnB, Vrbo, or an independent rental company.  
  • 38.1% of those respondents indicated that are staying with friends and family. 
  • While 13.5% of those respondents indicated they’ll be taking a cruise for the holidays while 7.4% said they would be staying in an RV. 

When asked about the transportation they plan to take to their destination: 

  • 65% of the survey participants indicated they’ll be taking their car on their 2020 trip. 
  • Planes were the second most popular from of transport among those traveling this year with 56.7% of respondents indicating they’ll fly to their destination.  
  • The remaining respondents indicated they plan on taking a train (11.5%) or ferry (6.6%) to their next destination in 2020. 

Travel Insurance Sentiment 

The pandemic has significantly impacted the average consumers’ decision to purchase trip protection or travel insurance.  

  • 58.1% of the survey participants said they were more likely to purchase travel insurance for all trips going forward and 32.8% of them are planning to purchase travel insurance for their trips in 2021. 

When deciding which company to purchase travel insurance from price, online ratings and reviews and plan coverage are three key factors for the average consumer.  

  • 33.3% of the survey participants think of price as the most important factor 
  • 19.4% of them consider plan coverage as the most important factor 
  • 13.4% of them value online ratings and reviews the most. 

Methodology 

The Holiday/2021 Travel Sentiment Survey was conducted by Upwave on behalf of Generali Global Assistance between October 26th and October 27th, 2020. The survey consisted of 16 questions and was conducted online with 1,011 consumers in the U.S.  

About Generali Global Assistance  

Generali Global Assistance has been a leading provider of travel insurance and other assistance services for nearly 30 years. Generali Global Assistance is part of the Europ Assistance Group, the travel insurer and assistance provider of the multinational Generali Group, which for over 185 years has created a presence in 60 countries with over 76,000 employees. Our success has been built on the foundation of trust that clients have placed in our ability to provide assistance in the most difficult of circumstances.  

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Brits Travel Without Insurance To Cut Costs Of Holidays

72% of Britons would be prepared to cut corners to save money on the cost of a holiday abroad in the next year – and it is the nation's youngest travellers that are most likely to put themselves and others at risk in the pursuit of a cheap holiday, according to new data from specialist travel insurance provider AllClear.

Following a summer when many people put holiday plans on hold, the AllClear data suggests that some people will be having a belated overseas break during the autumn and winter months [see notes to editors].  For those planning a holiday, the research highlights polarised attitudes between young and older travellers on matters relating to safety and holiday spend.
 
Under 25s: Cutting corners for a bargain break.
 
AllClear's data reveals that 90% of under 25-year olds would be prepared to cut corners in order to have a cheaper holiday abroad. High on the list of economies the under 25s were most likely to make - 20% would be happy to rely on public transport overseas, despite risks relating to social distancing, just under one in five young travellers (16%) would go for the cheapest possible insurance cover and 10% said they would be happy to travel abroad with no insurance at all.
 
Over 55s: Prepared to pay more to put safety first.
 
In sharp contrast to the under 25s, the over 55 holiday makers were those least likely to cut corners (54%) – and least likely to travel without insurance (4%) or to entertain the false economy of buying cheap insurance cover (7%). 
 
Older travellers were most likely to want to pay more money for a safer trip (£1,436 vs £1,233 of under 35s), pick a destination based on its safety in terms of COVID-19 (31% vs 24%) consider the risks of the country going back into lockdown (30% vs 24%), and the state of the health service in the country they planned to visit (27% vs 21%). The over 55s were also those most likely to ensure they had insurance that covered them for issues relating to Covid-19 (28% vs 20%). 
 
The measure of 'safety first' becoming the dominant consideration for the older traveller is reflected in how much the 'essentials to pack' list has changed compared to previous years. Sweeping aside traditional items such as travel money, sunglasses, credit cards, guides and sun cream, the new items joining the passport as the most essential items to pack comprised of: Face masks (32% vs 25% of under 35s); medicines for pre-existing medical conditions (31% vs 17%);  and insurance documents (31% vs 16%). 
 
Chris Rolland, Chief Executive at AllClear commented, "Whilst summer season is now over, a steady number of people are still planning overseas breaks through the autumn, winter and spring months. There won't be a stampede but instead a steady flow, as many Brits ensure they get their break abroad when it is safe to do so. 
 
"Our research suggests stark generational differences on attitudes to travel. The over 50s are setting the example for us all by putting safety first and being prepared to pay more for it. Many older people are travelling to visit children and relatives and they are responsibly assessing the risks. With young travellers, the drive for a cheap break is not always well thought through and some of these travellers could be sleep-walking into trouble. 
 
"Since the outbreak of the pandemic, AllClear has led an agenda on responsible travel and we have worked hard through the summer to design a comprehensive insurance package to help make travel safe for older travellers and those with pre-existing medical conditions. We encourage everyone to follow the latest government advice and to weigh up all the safety considerations before making a trip. For those that do travel, AllClear has designed its cover to try to protect them every step of the way." 
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iPMI Magazine Speaks With Mary-Jo McDonald, Managing Director, Europe, Global Excel Management

iPMI Magazine's CEO, Christopher Knight, speaks with Mary-Jo McDonald, Managing Director for Europe at Global Excel Management. They discuss in detail how COVID-19 has affected the industry, life after lockdown and the impact on the travel industry for leisure, business and student travel markets.

Broadly speaking, can you tell us what steps Europe is taking towards life after lockdown?

We know that European countries’ response to this pandemic has varied in intensity – from closed borders to domestic travel restrictions. Overall, Europe is pulling together, and many countries are moving towards opening internal borders before the end of June. This first step will have a refreshing impact on travel, hospitality and education – a variety of industries will be operational. There will be limitations though, in this “new normal”, which we are gradually settling in to. Social distancing, protective face coverings and hand washing are already accepted at large in European society. Travel corridors or air-bridges are being considered, ground transportation will be permitted, and non-essential travel will be allowed.

We’re optimistic, as many clients and partners are preparing for this first step – continental Europe will be open for business very shortly. We remain realistic, knowing COVID-19 won’t disappear overnight. What we expect is that many Europeans will be asking questions and looking for reassurance, especially concerning their health as they travel, first within Europe and then abroad.

Has Global Excel seen a significant increase in assistance requests during this pandemic? What changed and how did you adapt to this unprecedented situation?

We have seen an increase in assistance requests, from business travellers having to modify schedules, expatriates worried about being able to keep their appointment with a physician, students needing to quickly access care and many wanting to speak with a practitioner in a “virtual” environment rather than face to face. One key concern was being able to respond within a reasonable amount of time. To do so, we quickly shifted to providing information, support and guidance online either via chat, text or email. This significantly reduced call wait-times while responding to requests. We prioritized different request-types – medical emergencies remain our top priorities. We also deployed a COVID-19-specific version of our digital health solution, StandbyMD. This is a self-serve virtual assistant which enables travellers to quickly self-assess their symptoms, then select the best care option. Responding with minimal down time, in several languages, across several time zones was a big challenge, but our team made it work, to the satisfaction of our clients and their members.

How has Global Excel Europe weathered this pandemic?

Early in February this year, we started reaching out to our clients with regular updates on measures we were taking as a response to developing situations. At that time, many countries reactions and directives were varied.

Our concern was two-fold: to ensure we could quickly respond to members returning to their homes – business travellers, tourists and students – but also to respond to medical emergencies and answer concerns while directing them to the best care available in their area. Our second priority was our own employee health, with over 95% of them working safely from home. Transferring our staff and ensuring our systems were up and running within only a few hours is a testament to our leadership’s agile planning and to the commitment of our team members. We were even able to outsource our services to other companies struggling with the sudden increase in volume and complexity.

As the gradual exit from lockdown is being coordinated, what should business and leisure travellers expect and how can they best prepare themselves?

As travel restrictions are loosening up across Europe, we expect that travellers in general will have to focus on low risk areas, seeking information from governments and using “travel bubbles/corridors”. This means additional wait times at airports for screenings and decontamination processes, with physical distancing and face coverings which will likely remain a requirement. Many vacation areas, educational institutions, restaurants and airports have already adapted to these new directives, as well as places of worship, offices and government buildings.

More than ever, we believe that travellers’ best protection is research – being aware of government advisories and looking closely at their travel and health policies, knowing and understanding the limitations, but also reaching out to travel experts to discuss options. An ounce of prevention is worth a pound of cure.

Has access to healthcare for students, travellers and others changed? If so, what are some must-haves going forward?

Polls across different countries indicate that many students and travellers have accessed healthcare using some form of digital solution. In some countries, telemedicine was used, and in other countries a mix of video, text and email communication to engage with physicians has been preferred.

We’ve seen a greater demand for our own digital health tool. Many members appreciate that they can self-serve and choose the type of care they prefer, wherever and whenever. Digital healthcare and choice will be key to responding to needs during a pandemic, but also during any cautious recovery period. These solutions ensure that physical distancing directives are met, minimizing infection risks while reducing wait times. The future is digital, and having a great solution that combines flexibility, personalized care and cashless billing options with worldwide coverage will be the new norm.

How can Global Excel help insurance and assistance companies and their members (business travellers, expats, students, etc)?

Global Excel combines four elements to ensure our clients and their members consistently benefit from the best available care options, no matter where they are: flexible, comprehensive healthcare solutions; world class costavoidance and cost-containment services; FastTrack, our cashless out-patient solution; fully customisable networks across Europe.

As a global enterprise, we can easily assist travellers, expats, international students and those seeking major medical treatment anywhere in the world: a unique, reliable and proven offering from your trusted partner – Global Excel.

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How To Submit News, Articles and Case Studies To iPMI Magazine

iPMI Magazine provides premium and freemium content delivery solutions specifically tailored to the international private medical insurance market.

Using the latest technology iPMI Magazine can deliver critical business communications to an eclectic worldwide readership from international medical payor to provider. 

News classifications include:

Write to ipmi[at]ipmimagazine.com to learn more or to submit content. 

About iPMI Magazine

Due to the nomadic nature of the international private medical insurance (IPMI) industry, iPMI Magazine is an internet based news service for worldwide insurance and assistance professionals who need to understand the impacts of insurance and healthcare policy, regulatory, and legislative developments. Over 40,000 senior level business decision makers, in over 120 countries, rely on iPMI Magazine to stay 1 step ahead of the risk and on the inside track of international PMI. Covering business travellers, high net worth individuals, expatriate and leisure travel markets, iPMI Magazine is the only international news source covering the most exciting sector of international health insurance: international private medical insurance.

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Voyager Insurance Services Achieve 5-Star Rating With Moneyfacts

Travel Insurance products Able2Travel Travel Insurance and VoyagerPlus Travel Insurance have been awarded 5-star ratings for their Single Trip and Annual Multi-Trip travel insurance policies from independent rating company; Moneyfacts.

Pre-existing medical condition focused travel insurance product Able2Travel Travel Insurance has been awarded 5 stars for its Gold and Platinum levels of travel cover for both Single Trips and Annual Multi-Trips. VoyagerPlus Travel Insurance, which caters for a wide range of travel insurance customers such as families, Winter Sports or Back Packers, follows suit for its Prime and Black levels of cover.

Managing Director of Voyager Insurance, Carl Carter, said, “Receiving 5 stars from Moneyfacts for 8 levels of travel cover for our Able2Travel and Voyager Plus Travel Insurance products is an exceptional achievement. Moneyfacts provide independent comparison charts and annually assess the travel insurance market, focusing awards on products and policies that offer relevant and unique features to meet the demands of today’s travellers. By receiving a 5-star rating, it will make the hard work of finding appropriate travel cover for their needs easier for consumers to choose from among the broad number of other travel insurance providers around.”

Able2Travel Travel Insurance is a specialist travel insurance product for people with pre-existing medical conditions which provides unique sections of cover including Personal Carer Replacement cover, Additional cover on your return home and Catastrophe & Travel Disruption to name a few.

VoyagerPlus Travel Insurance is an extensive travel insurance product that offers a wide range of optional sections of cover including Holiday From Hell Insurance; which offers protection against breach of contract for holidays undertaken, Enhanced Travel or Terrorism Disruption cover and plus many more.

Both travel insurance products offer a 24/7 Emergency Helpline and protection of up to 10 million for Emergency Medical Expenses including Emergency Repatriation if necessary and offer a number of additional options to suit customer’s needs, such as Cancellation, Baggage Cover and Personal Liability.

If you would like further information on our insurance products or wish to find out what’s covered, visit the website: https://www.voyagertravelinsurance.co.uk

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BIBA Welcomes FCA’s Update On Improving Access To Travel Insurance For People With Pre-Existing Medical Conditions

In the FCA’s update, issued 2nd April 2019, they have stated they believe that a multi-lateral approach would build on some of the good practice regarding signposting.

BIBA looks forward to their forthcoming consultation this spring. We believe BIBA has a significant role to play in any new approach.

Graeme Trudgill, BIBA Executive Director said, “We believe an outcome similar to the multi-lateral approach taken in the ‘agreement on age and insurance’ would be the best way forward in helping customers.

This existing voluntary agreement directs a firm who cannot assist a customer to signpost them to a provider or suitable signposting service that can offer suitable insurance.

BIBA has been running a successful signposting service for older people under this agreement since 2012 and received over 600,000 enquiries on age and insurance since then.

We believe this successful model can be replicated to help travel insurance customers with pre-existing medical conditions”.

More details can be read here: https://www.fca.org.uk/publications/feedback-statements/call-input-access-insurance

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Travel Insurance Saving Tips For Pre-Existing Medical Conditions

With all this talk of Brexit, booking a holiday is tempting. But while travel insurance is often the last thing on your mind when booking a holiday, it's probably the one essential for every holiday destination, especially if you have a pre-existing medical condition. And even more so with the uncertainty around Brexit. So how do you buy the right cover at the right cost? And how do you avoid a holiday dream becoming a holiday nightmare?

AllClear Travel Insurance, a specialist in travel insurance for people with pre-existing medical conditions, has put together its six top tips on how to buy smart:

Don't rely on EHIC – The European Health Insurance Card (EHIC) should not be considered an alternative to travel insurance because it only provides access to the state healthcare available in any given country (this may be a considerably lower standard than what you are used to with the NHS), and it does not cover repatriation. Repatriation, especially when a doctor or nurse is required as an escort, can easily cost thousands of pounds, even when travelling in Europe. 

Research before you go– the cost and what you are covered for will vary considerably by destination. For example, the high cost of medical treatment in the US (which can be as much as $10,000 per night in hospital) will mean higher premiums. Closer to home, the cost of private medical treatment in Spain is greater than anywhere else in Europe, so don't be caught out and do your research.  

Compare prices– Various specialist sites are available to help you compare prices, including the AllClear Travel comparison site which compares up to 56 prices to meet a wide range of budget and cover options, with every policy specifically designed to cover travellers with medical conditions, their travelling companions, families and carers.

Declare all medical conditions– It's essential your insurer understands your medical situation in order to provide comprehensive cover. Failing to declare all conditions may cost you more in the long run if you need to make a claim and it is rejected or only partially paid. If in doubt, spell it out!

Consider what you need cover for– You can save money on your premium by opting for a larger excess, or restricting activities you might not need, such as winter sports. If it's a last-minute holiday then cancellation cover may not be appropriate, so excluding this could also lower your premium.

Be wary of packaged bank account travel insurance– Cover within 'bundled' packages may not cover pre-existing medical conditions, and therefore if a related claim arises you would not be covered. These packages can be a false economy, so it's vital to check the details of your policy, and ensure you are happy with the level of cover provided.

Cover your travelling companions– If you are travelling with friends who have their own travel insurance policy, it is highly unlikely that they would be covered for cancellation if they also chose to cancel their trip when you did because of your medical condition. It's worth looking into add-ons such as AllClear's 'Travelling Companion cover', which will cover their cancellation costs without a specialist policy.

Chris Rolland, AllClear CEO, says finding travel insurance for people with pre-existing medical conditions can be daunting, "We work with numerous heart, cancer, stroke, kidney and disability charities and understand there is considerable confusion about what to do when mainstream insurers will not provide cover, or people feel they have been priced out the market.

"We know that no one is uninsurable, and passionately believe everyone has the right to travel. It is our duty as an industry to provide travellers with pre-existing medical conditions with advice and the necessary support."

 

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