Advice on securing travel insurance
Finding the right travel insurance at the best of times 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 an MPS, Fabry or a related disease it can be an even bigger challenge to ensure that you find the right cover.
Finding the right policy
It is best to shop around and not accept the first quote you receive - different companies may offer you the same level of cover at a different price.
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.
If you are travelling as a family, you may not need to pay for each child separately. Some insurers offer family cover including children up to the age of 19 (or 23 if in full time education).
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.
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 or 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.
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.
Ensure that medical insurance provides cover for all the treatment you or members of your family may need
The above rules also apply to anyone who is involved in looking after the affected person including close family and carers.
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Out of hours support line open 5pm-10pm weekdays and
weekends: 07712 653 258