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Members may wish to know that ALLCLEAR Travel Insurance offer attractive terms to people with medical problems.  Further information can be obtained via the following link;   www.allcleartravel.co.uk

Travelling with a European Health Insurance Card (EHIC) could reduce your travel insurance excess to £0.00......

Click Travel Insurance Info for some interesting information from ALLCLEAR.

Click Travelling with Cancer for information about traveling with cancer.

Are you having trouble getting travel insurance. If so, you might like to try AllClear Travel Insurance - they provide specialist insurance for those living with pre-existing medical conditions, and for older persons.

 Paul Hickman, Head of Client Development at AllClear, says: "As you get older you may find it’s harder to find insurance, particularly if you have medical conditions that you need to declare. We have worked closely with insurers over a number of years, so that people who might otherwise find it difficult to get appropriate cover can access comprehensive and competitively priced travel insurance."

Some of the benefits include:-

• All medical conditions considered
• No upper age limit on Single Trips
• All destinations
• A quick and easy purchase - no separate referral for medical screening
• Simple question set allowing quotation to purchase within 6 or 7 minutes
• Documentation confirms information declared
• Hospital Waiting List cover available
• Travelling Companion cover available
• Cover for scheduled airline failure and more

For a no-obligation quote, call 0845 250 5252 quoting reference CAA or go to their web site.  (Please note the changed telephone number.)

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Dos and DONTs 

for holidaymakers with medical conditions

• Don’t think that you can’t get travel insurance if you have a severe medical condition. The mainstream insurers might not be interested, but there always specialist insurance providers who will, no matter what the condition, your age of your country of destination

• Get quotes, well in advance of your trip - this allows you time to check the small print (many insurance providers no longer send out quotes in writing). Indeed, insist on a quote in writing. You might not be covered for what you think you are!

• Specifically ASK whether your particular medical condition is covered.

• Make sure you declare EVERY condition - or you could just end up with an expensive baggage policy!

• Answer the questions (when being screened) as honestly and fully as you can. Failure to do so might invalidate your cover.

• Taking medication to control a condition does NOT mean that you don’t HAVE that condition from an insurance perspective!

• Don’t think of getting insurance without your condition being covered. With the average cost of repatriation from the US, for example, costing £25,000, ‘buying cheap’ might seem like a good idea at the time, but not if you fall ill subsequently and find you’re not covered. It is a false economy.

• Don’t rely on the EHIC as a substitute for travel insurance in the EU: the level of medical care will only match that of the population of the country you visit (ie not the same as the UK) and the cost of repatriation will NOT be covered.

• If you have an annual policy, make sure it covers specific conditions. If your insurance is through a bank or credit card, check that you are STILL covered and that additional restrictions have not been applied.

• If there is any change in your condition (or you develop a further condition) between taking out the policy and the date of your trip, then make sure you inform the insurance provider.

• If the purpose of your journey abroad is to receive treatment again check your policy closely. In most cases you will NOT be covered.

• If in doubt, declare it.

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