Impaired Travel Insurance | Medically impaired Travel Insurance

Impaired Travel Insurance

If you have a pre-existing medical condition, you can still get travel insurance for your trip abroad. Depending on the condition, you may need a specialist policy, which Horner Blakey can help you create based on your needs and budget.

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What is impaired travel insurance?

Impaired travel insurance is a policy designed to support anyone with a pre-existing medical condition who wants to travel abroad. If you have a pre-existing medical condition, there may be a higher chance of needing medical assistance when in another country. Due to many overseas healthcare systems being very expensive, it could require you to pay a large bill in addition to all your other expenses. Impaired travel insurance can give you the right level of cover, so you are protected no matter where you are in the world.

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Do I need impaired travel insurance?

Impaired travel insurance is suited to people who have a pre-existing medical condition, which could be an injury or illness that exists before or during the same time you are taking out a policy.

If you are thinking of taking out travel insurance, some of the most common conditions that may need to be disclosed include:

Heart conditions – high cholesterol and high blood pressure

Asthma – including other respiratory conditions such as cystic fibrosis

Diabetes – type 1 and type 2 diabetes

Chronic illnesses – From IBS and Crohn’s disease to cancer and other long-lasting illnesses

Mental health – depression, anxiety, eating disorders and other mental health conditions

Of course, impaired travel insurance isn’t a legal requirement before you travel abroad. However, it should be an important consideration if you have a pre-existing medical condition so you have peace of mind you have cover should you suddenly need it in another country.

The type of medical condition you have will influence how much pay and Horner Blakey can discuss your options and put you in contact with an insurance provider that provides the right level of support.

Whatever you decide, before proceeding with any insurance agreement, always read the full details of your individual policy as terms and conditions will apply.

What does impaired travel insurance cover?

Impaired travel insurance can provide cover for things such as:

General medical expenses

Such as emergency treatment and hospital bills (for both private and public hospitals)


Covers the cost of returning home if you are unable to use your original ticket due to medical issues.

Cancellation and travel disruption

Included as standard to protect against any sudden cancellations or disruptions to travel

Missing luggage

Enables you to claim compensation if your luggage is delayed, lost or damaged.

How does impaired travel insurance work?

When taking out impaired travel insurance you will be asked to answer a number of questions about your medical history and general health. It’s important that your answers are as honest as possible as it will impact your premiums. You may also have to complete a medical exam, depending on your situation.

The insurance broker needs as much accurate information as possible to approve your application. If it comes to light at a later date that the information you provided was not accurate, your policy could be voided and you will have to pay for any medical treatment you receive, which can prove very costly.

Horner Blakey can help you find the right level of insurance for your trips abroad so you don’t have to worry about the cost of paying for medical assistance in another country.