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.
Do I need to tell you about my epilepsy when I’m buying travel insurance?
It’s important you let us know about your epilepsy, and any other health conditions when getting your travel insurance. That way, if something goes wrong on your holiday, you’ll have the care you need to get you back on your feet.
If there are any changes to your health, it’s important you let us know as soon as you can, so your policy will be up-to-date to reflect your new medical conditions.
If you forget to tell us about any changes to your health, this may affect the validity of your travel insurance policy. If your policy isn’t accurate, this may mean any potential claims may not be accepted if you needed us further down the line.
I’m the only one in my family with a pre-existing medical condition. Is it better for us to have insurance together or separate policies?
Choosing between having individual policies, or having a group policy, is entirely up to you. But having family travel insurance can be more straightforward.
A big bonus? If one of you has to cancel your holiday due to a medical emergency, the whole family should be able to claim back the full cost of their holiday too (as long as it’s within your policy limits).
What questions will you ask about my epilepsy?
So we can understand the nature of your epilepsy and how it affects your daily life, we’ll take you through some questions. There’s nothing to worry about, we’ll go through the questions at a pace that suits you. We’ll never rush you.
Here are some of the questions we may ask:
- How long ago was your first fit/seizure?
- If awake, do you tend to lose consciousness during a fit/seizure?
- How many fits/seizures, causing loss of consciousness, have you had in the past four weeks?
- How many fits/seizures, causing loss of consciousness, have you had in the past six months?
- How many unplanned hospital admissions have you had for epilepsy/seizures in the last year?
- How many different medicines do you take for epilepsy/seizures?
Is my epilepsy 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 epilepsy 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.
I’ve bought travel insurance covering my epilepsy already. Do I need to tell you if my condition changes?
Yes, it’s important that you keep us in the loop if your medical condition changes, or you’re diagnosed with something new. That way, your policy will be up-to-date when you travel, so you can go away knowing you have the protection you need.