Travel insurance with a pre-existing condition
- By
- Aparna Patel
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- 8 Aug, 2023
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In the end I ended up using a UK based company called Medici travel who gave me a very reasonable rate for annual travel insurance.
Turns out that my health insurance policy would have covered me anyway for ulcerative collitis abroad, and I could have just got regular travel insurance.
It’s definitely worth checking if you have health insurance if your policy covers you while overseas as it would have saved me a packet if I’d known that.
I have a rare but serious heart condition that also tends to freak out insurance companies. However, I’ve found that if I get a letter from my cardiologist and my GP saying that there’s no reason to expect anything to go wrong for period x-x, they’re happy to either insure me, or to insure if I pay a premium.
When I was in NZ, Mike Henry Travel Insurance would do this, as well as Southern Cross travel insurance. They may have international branches?
For my current trip, I’m actually with World Nomads, although I don’t think they’re UK based.
Good luck – there’s always a way, often your doctor might be able to suggest a company as well, or write extra documentation about it. He may offer to say that if you agree to carry medicine x or y with you they’ll reduce the premium, or something – there’s usually some way to do it, even if it’s a high premium.
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