Do I need to have had both my Covid jabs to be covered?
As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.
If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.
How do I declare chronic pain on my travel insurance?
First, we’ll talk through the conditions you have.
Chronic pain can be caused by:
Don’t worry, we’ll never rush you, so you can tell us in your own time how chronic pain affects your daily life.
We appreciate that chronic pain takes different forms. We understand you might have fibromyalgia, controlled by a combination of medication and Cognitive Behaviour Therapy (CBT), or perhaps you have back pain caused by a slipped disc.
By carefully listening to the nature of your pre-existing health condition(s) means we can help you find the right level of cover. That way, you can enjoy your holiday knowing you’re protected with travel insurance that’s just right for you.
I’m waiting for an investigation into the cause of my chronic pain. Can I still get travel insurance?
Until you have received a diagnosis, we wouldn’t be able to cover you for pre-existing medical conditions.
Once you have received a diagnosis, we may be able to cover you, as long as your doctor has advised you’re safe to travel and you are not travelling with the intention of receiving treatment or having tests or consultations when you’re abroad.
We may be able to provide you with standard cover without pre-existing medical conditions, to find out more get in touch with our friendly team. Alternatively, the British Insurance Brokers Association (BIBA) can help you to find alternative travel insurance that is suitable for your medical condition.
I’ve already bought travel insurance for my pre-existing medical conditions. Do I have to update it if I’m diagnosed with something else?
We need to know about any changes to your health, so you have the confidence to travel knowing you’re fully protected by your travel insurance.
If you have a new diagnosis or any other changes to your medical condition, let us know before you travel, so we can update your policy. If you forget to let us know about any changes to your health, your policy may be made invalid and your claim not be accepted, should you need our help further down the line.
Is my chronic pain covered by my Global Health Insurance Card (GHIC)?
If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.
When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your chronic pain during your trip.
Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.
Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.