We understand the difficulties faced by people living with certain medical conditions when trying to obtain insurance for holidays and business trips. This PolicyDirect facility provided by Voyager travel insurance does not automatically exclude cover for travellers with pre-existing medical conditions, but they may need to be declared and agreed.
We are able to accept those with certain pre-existing medical conditions with no additional premium but can also accept a much higher level of medical condition by charging an additional premium. Just follow the prompts when completing the online application. In step 2 of the online quote consider the questions carefully in relation to all medical conditions that you have. If you can answer No to all questions please proceed with your purchase.
Only if you have to answer Yes to any of the medical questions should you call the screening service on 01483 806666 and quote PolicyDirect / Headway for a personalised quote. If this facility is unable to provide the cover you need you will be referred to our specialist insurer Able2Travel who provide travel insurance solutions for travellers with medical conditions that may be excluded in other Travel Insurance policies.
Countries of destination should be checked against the Foreign and Commonwealth Office web site for advice on travel as some countries may be affected by advice given on www.fco.gov.uk (see policy exclusion 2).
Reciprocal Health Agreements – EU, EEA or Switzerland: If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland you are strongly advised to obtain a European Health Insurance Card (EHIC). You can apply for an EHIC online at www.ehic.org.uk or by telephoning 0300 330 1350. This will entitle you to benefit from the health care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card we will not apply the deduction of excess under section 2 - emergency medical expenses
Sections 1-12 & 14-20 of this insurance is underwritten by AmTrust Europe Ltd (or SOLID Forsakringar if visiting Cuba). Section 13 is provided by International Passenger Protection Ltd and is underwritten by Lloyds Syndicates.
Should you have any questions regarding this insurance facility and wish to discuss it further, or would prefer to make your purchase over the phone, please call PolicyDirect on 01603 613531 where a member of our helpful team will assist you.