Those with pre-existing medical conditions who are seeking travel insurance may wish to consider single trip travel insurance rather than multi-trip for more choice of quotes, according to travel insurance comparison website Compare Cover.
Simon Williams, travel insurance product manager at Compare Cover, said: "Some people with pre-existing conditions seek Annual Multi-trip (AMT) cover as they want the comfort of knowing they have travel cover for the year. Yet in many cases - depending on the condition declared and the destination they are travelling to - a single trip quote would provide more options for both cover and price."
Simon explains the rationale behind this: "With an annual multi-trip policy, the insurer won't necessarily know the extent of the individual's travelling plans – the person asking for a quote could travel up to 10 times over that year and if their condition is potentially a deteriorating one, it becomes very difficult for an insurer to judge the risk posed for that customer.
"Compare that with a single trip policy quote, which has set dates, destinations and costs. Asking for a single trip quote means that the insurer can far more easily judge the risk and increases the likelihood of obtaining cover at an affordable price."
"If you have a pre-existing condition and are considering an annual policy, we would suggest you consider single trip cover as an alternative option. This way you can compare both costs and levels of cover to see which one will best suit your requirements.
"It should also be noted that if your pre-existing medical condition is very serious or debilitating, you may be unable to obtain an annual multi-trip policy, but a single trip policy may cover your condition."
According to data from Compare Cover the most regularly declared pre-existing conditions for travel insurance quotes are those which people live with daily, such as asthma, high blood pressure, mental health issues, diabetes, osteoarthritis, coronary angioplasty (widening or unblocking the arteries of the heart) and arthritis.
Simon added: "It's important to stress to anyone who has a pre-existing condition, no matter how serious or severe, and is seeking travel insurance that there is likely to be someone out there who can help them.
"The key for those who can't get quotes online is to speak to a specialist – here at Compare Cover we signpost people who haven't been able to obtain quotes from us to a specialist provider who is likely to be able to help them obtain cover. Don't give up on getting travel insurance if you have an on-going medical condition, shop around, try the different trip options and speak to an expert – and then go and enjoy your travels."
For more information, please visit www.comparecover.com.