Many travel insurers will not provide you with cover if you have a medical condition or if you are over 70. This is not to say that it is not possible to get insurance if you fall into either or both of these two categories.
Insurers often will exclude those who are deemed high risk in order to maintain a lower price for the majority of the people that get cover from them. Travel insurance companies are just that, they are profit making companies and they want to make a profit. Paradoxically they only want to offer a policy to someone who is unlikely to claim.
So where does that leave the people who are in a high risk group but want to travel abroad. Whilst there are specialist insurers you will be surprised to hear that many of the mainstream organisations may also give you cover for your holiday.
Depending on the provider they may turn you down flat without further consultation or they may accept you straight away. There may be special requirements you have to fulfil such as be willing to accept a higher than usual level of excess.
If you are seriously ill then you may need to provide a medical certificate or be willing to see a doctor or consultant from the insurer to assess your condition. Even though many people may have a similar illness such as cancer one person may be fine to travel whilst another may not, everyone is different.
To get the best deal on travel insurance if you are having problems getting cover is to use an online comparison site. This will allow you to quickly search many different providers to find out if they will offer you cover and at what price.
