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.
Who is 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.
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Travel Insurance 4 Medical’s policies are underwritten by Travel Insurance Facilities (TIF) Group and insured by Union Reiseversicherung AG (URV), part of Germany’s largest banking group, Versicherungskammer Bayern Group (VKB Group).
What are my cover options?
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.
- Single Trip
- Annual
- Backpacker
- Extras
The Single Trip policy is there to provide you with a fair travel insurance quote for a one off trip.
Features of the policy include:
- Cover for over 150 activities, including golf and scuba diving
- Cover for people aged up to 100
- Trips up to 185 days in legnth
Travel Insurance 4 Medical offer an Annual Multi Trip policy to cover you for multiple trips within a year.
Features of the policy include:
- As many trips of 31 days as you like within a year
- Cover for people aged up to 75
- Cover for up to £10 million in medical expenses
The Backpacker and Longstay policies are for the adventurous type going on an extended trip.
Features of the policy include:
- Cover for up to 18 months
- For ages up to 55
- Up to £5 million in medical expenses
Travel Insurance 4 Medical also offer a range of optional extras so you can tailor your policy to suit your needs. These include:
- Gadget extension
- Excess waiver
- Wintersports extension
- Business extension
- Cruise extension
- 8 activity packs
- Golf extension
What’s covered under my policy?
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.
What is my excess?
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.
What is the claims process?
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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