Having pre-existing medical conditions or being over 65 is likely to affect the price of your travel insurance, but you can still find competitively priced cover.
Here at Medical Travel Compared, we love nothing better than to help our customers get a good deal, so here are our top 10 ways to find the cheapest travel insurance that fits your needs:
1. Shop around
Don’t feel you have to accept the first quote you’re given. Buying travel insurance from travel agents, tour operators and airlines may seem like a good idea, but these policies are unlikely to be the cheapest when it comes to insuring pre-existing medical conditions. It’s always a good idea to shop around and compare travel insurance.
2. Annual vs single trip policies
If you only travel once or twice a year, then single trip cover is likely to be the cheapest option. However, If you’re a frequent traveller, then an annual travel insurance policy not only gives you the freedom to jet off whenever you need, but can save you money as well.
3. Choose your destination wisely
When you have pre-existing medical conditions, the destinations you travel to can make a real difference to the travel insurance premium. It can even be the difference to whether you’re offered a quote or declined cover.
It’s best to get a travel insurance quote before booking a trip.
4. Check your home insurance
Your home and contents insurance might cover you for personal belongings when you travel. If your home insurance does cover this, you could save money by excluding ‘personal belongings’ cover on your travel insurance policy.
5. Travelling last minute?
If you’ve booked a last minute holiday, do you really need cancellation cover? If there is absolutely no risk of you cancelling the trip, then you might not need to pay for this.
7. Only pay for the cover you need
It’s all very well to have a travel insurance policy with all the bells and whistles, but you could end up paying out for cover that you don’t really need. Stick closely to the coverage you need to keep the cost down.
8. Check the policy excess
Travel insurance policies with a high excess are often cheaper to buy. However, it doesn’t work out so cheap if you need to make a claim, so weigh up your options.
9. Declare everything you need to
While keeping your policy to basics can be cheaper, it’s not worthwhile if it doesn’t cover your needs. Make sure you declare any pre-existing medical conditions to make sure your medical travel insurance covers everything you need.
10. Keep comparing
Insurers’ premiums change regularly. Just because you got a good deal in the past doesn’t mean the insurer will be able to offer you the best quote on the market the next time round.
So hop online here at Medical Travel Compared to do a quick travel insurance comparison – it’s the best way to save money every time you travel.