Travel Medical Health Insurance

Travel insurance providers with policies to cover medical conditions.

For Europe, USA and rest of world; over 65s, 75's, 85's; single, multi trip and annual policies.

Citybond Suretravel

Citybond Suretravel is underwritten by Solid, see CityBond review for more details and get a discounted online quote.

Health Requirements

A Citybond Insurance policy contains restrictions regarding Pre-Existing Medical Conditions of the people travelling and of other people upon whose health the trip may depend. YOU ARE ADVISED TO READ YOUR POLICY CAREFULLY and to read the policy information.

Suretravel Insurance (PDF 140Kb)

The Citybond Insurance operates on the basis that all Insured Persons are not travelling against medical advice or with the intention of obtaining medical treatment abroad.

No claim arising directly or indirectly from a Pre-Existing Medical Condition affecting an Insured Person will be covered unless:

• You have declared that condition to Healthcheck247 (on behalf of the Underwriters); and
• You have declared any changes in your health or prescribed medication; and
• Healthcheck247 have accepted that condition or change in condition for insurance in writing prior to departure.
• To declare a Pre-existing Medical Condition or a change in your state of health or prescribed medication, you should contact Citybond Suretravel's Medical Screening Department, Healthcheck247, at www.Healthcheck247.com,
  or telephone them on 0845 618 0343 and quote 'IMA08' for 10% discount with Know-Insurance
  (Mon. - Fri. 9.30am - 5.00pm, Sat 9.30am - 12.30pm). Please note that calls to Healthcheck247 may be monitored or recorded for audit or training purposes.

Note: A Pre-Existing Medical Condition is considered to be:

• Any medical or psychological sickness, disease, condition, injury or symptom of which you are aware for which you have required treatment, medical consultation(s), prescribed medication or follow-ups at any time during the 2 years prior to the commencement of cover under this policy and/or prior to the trip;
• and/or any cardiovascular problems (e.g. heart attack, angina, chest pain, any other heart condition, hypertension (raised blood pressure), blood clots, raised cholesterol); any cerebrovascular problems (e.g. stroke, transient ischaemic attack, brain haemorrhage), of which you are aware, that have occurred at any time prior to the commencement of cover under this policy and/or prior to the trip. (A full definition is shown in the policy document).

Additional Health and Medical Cover

Without a comprehensive insurance policy, medical care can cost the earth particularly in Canada and the US where there are no special arrangements for British visitors.

Get stuck in either country without travel insurance then you may need to take out insurance locally with providers such as:

• Blue Cross - Visitors to Canada Travel Insurance
• America:
  • ASA Inc - asaincor.com
  • AIG Travel Insurance - aigtravel.com
  • Insurance Services of America (ISA)- worldwidemedical.com

EHIC Exclusions: Repatriation

Even when holidaying and visiting European countries there are good reasons to take out private travel medical insurance - the European Medical Card (EHIC) won't cover all your health and medical needs abroad.

The EHIC Card provides good back-up cover in emergency situations but it certainly won't cover all of the things you would expect back home.

And it certainly won't cover the cost of your transport home.

In the worst-case scenario - you meet your Maker - it will not meet the expense of transferring your body back to where you're journey originally started.

No caring person wants to burden his or her loved ones with that expense.

Not to mention having them experience the trauma of having to make the final arrangements.

So think carefully before you gleefully hop on that boat or plane.

Someone, somewhere along the way is going to have to pick up the bill if it all goes pear shaped.