Finding the right travel insurance can be a challenge; making sure that you have covered all bases and taken all the unexpected eventualities into consideration. For individuals and families affected by MPS, Fabry or a related disease it can be an even bigger challenge to find the right cover.
As a starting point, we have put together our top 10 tips which we hope will provide you with the information you need to find the right travel insurance policy to suit you and your individual needs.
1. Don't accept the first quote
Do not automatically accept the first quote you receive. Different companies may offer you the same level of cover at a different price.
2. Quotes for disabled people are low
Quotes for disabled people have fallen in recent years as companies view them as less likely to take risks than able-bodied people.
3. Declare any pre-existing medical conditions
You will have to declare any pre-existing medical condition since failure to do so may result in the policy being declared invalid in the event of a claim being made.
4. Be prepared to be transferred to a medical screening line
When you ring up for your quote, you are likely to be referred to a medical screening line if you have more than one of the following:
High blood pressure
Gallstones
Gout
Cataracts
A hernia
benign lumps
If you have been a hospital inpatient in the last 12 months
If you have been under the care of a specialist consultant in the last 12 months.
This also applies if you have been referred to a consultant or if you are waiting to have an operation.
5. Some illnesses may increase your excess if you make a claim
The medical screening line has a list of thousands of illnesses, some of which may not affect your premium but which may increase the excess that you have to pay if any claim is made.
The insurer will also want to know if you have ever been treated for a heart or breathing problem and are still taking medication.
6. Rules don't just apply to you
The above rules also apply to anyone who is involved in looking after the affected person including close family and carers.
7. Ask for available discounts
Discounts may be made available although the company may not advise you of them. Discounts can apply if, for example, you have an ‘all risks’ household insurance policy, including cover for personal possessions (for example, a wheelchair) when away from home.