Travel Insurance 4 Medical specialise in providing travel insurance to people who don’t want be held back by their medical conditions. If you have a pre-existing medical condition and want to be covered when you’re away, Travel Insurance 4 Medical could be the provider for you.
Continue reading to find out more about the specialist travel insurance provider.
Travel Insurance 4 Medical
Travel Insurance 4 Medical is a travel insurance provider that specialises in cover for those with pre-existing medical conditions. It is a new brand from Rothwell & Towler, which has been in business since 1973.
Travel Insurance 4 Medical were the first insurance broker to offer cover for people with HIV, and now offer cover for 1000s of conditions.
Travel Insurance 4 Medical offer a range of policies, both for people with pre-existing medical conditions and those travelling with them. With the variety of policies and the add-ons available, you’ll be sure to find a policy that’s right for you and your group.
Features of the policy include:
Features of the policy include:
Features of the policy include:
Travel Insurance 4 Medical offer three levels of cover on their policies, with different benefits for different types of policies. Below we have listed what is covered under a single trip policy.
| Covered | Economy Extra | Standard | Superior |
|---|---|---|---|
| If you’re unable to go on your trip | ✓ | ✓ | ✓ |
| If you’re unable use your timeshare | ✓ | ✓ | |
| If your scheduled airline stops trading/td> | ✓ | ✓ | |
| Missed departure | ✓ | ✓ | ✓ |
| If you chose to cancel after a 24hr delay | ✓ | ✓ | ✓ |
| Departure delay | ✓ | ✓ | ✓ |
| Natural disaster | ✓ | ||
| Withdrawal of services | ✓ | ||
| Pet care | ✓ | ||
| Public hospital inconvenience benefit | ✓ | ✓ | ✓ |
| Repatriation | ✓ | ✓ | ✓ |
| UK additional medical expenses | ✓ | ✓ | |
| If your medication is lost or stolen | ✓ | ✓ | ✓ |
| Burial or cremation overseas | ✓ | ✓ | ✓ |
| If you need emergency dental attention | ✓ | ✓ | ✓ |
| If you have to come home early | ✓ | ✓ | ✓ |
| If your possessions are delayed by 12 hours/td> | ✓ | ✓ | ✓ |
| If your possessions are lost stolen or damaged | ✓ | ✓ | ✓ |
| If your passport is lost or stolen | ✓ | ✓ | |
| If your cash is lost or stolen | ✓ | ✓ | |
| Personal liability | ✓ | ✓ | ✓ |
| Loss of limbs/sight | ✓ | ✓ | ✓ |
| Personal accident – total permanent disablement | ✓ | ✓ | ✓ |
| Accidental death benefit | ✓ | ✓ | |
| If you need legal advice | ✓ | ✓ | ✓ |
| If you are hijacked | ✓ | ||
| If you are mugged | ✓ |
As you would expect, the policy payout amount will increase as you move from Economy to Superior cover.
An excess is the amount of money you contribute to each claim you make before Travel Insurance 4 Medical will pay out.
The amount of your excess you have to pay will depend on which policy you have decided to go with and if you have decided to reduce it. Make sure to check your policy schedule where your excess details will be shown in detail.
To make a claim with Travel Insurance 4 Medical, you will have to complete and submit a claims form within 28 days of returning from your holiday.
To get a claims form you can visit Travel Claims Facilities’ website, or you can call +44(0)203 829 6761 (Lines open Monday-Friday 8am to 8pm, and Saturday 9am to 1pm).
If you’re abroad and need medical assistance, call the 24-hour medical emergency service on: +44 (0) 203 829 6745
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