Travel Insurance 4 Medical Review
By
Ronny Lavie
Key policy features
- Specialist cover for pre-existing medical conditions
- Medical expenses up to £10m
- Cover for people up to 100 years old
- Access to 24/7 emergency assistance
Find out if Travel Insurance 4 Medical made it into our list of the best travel insurance cover for medical conditions.
If you're interested in the health insurance, have a look at our guide to health insurance for people with pre-existing medical conditions or our article on the cost of private health insurance.
Read on to learn more about:
- What types of insurance does Travel Insurance 4 Medical offer?
- Are there restrictions with Travel Insurance 4 Medical?
- How much does insurance from Travel Insurance 4 Medical cost?
- Does Travel Insurance 4 Medical cover over 65s, 70s and 80s?
- Are discount codes available for Travel Insurance 4 Medical?
- Customer reviews of Travel Insurance 4 Medical
- Expert reviews of Travel Insurance 4 Medical
- How to make a claim
- Other insurance available from Travel Insurance 4 Medical
What types of insurance does Travel Insurance 4 Medical offer?
Travel Insurance 4 Medical offers standard travel insurance and cover for people with pre-existing medical conditions, including cancer, HIV and Alzheimer’s.
According to the company’s website, even if it is unable to offer cover it can refer customers to a company that can.
Its quote process is different from some insurers that cover medical conditions because it first gives a quote for the destination and then asks medical screening questions. It shows the extra premium added to cover a condition, which adds transparency.
Travel Insurance 4 Medical offers 3 levels of travel insurance:
Economy Extra Cover
With this policy you are covered for £1,500 if you’re unable to go on your trip, £1,500 if you have to come home early, £3m for emergency medical attention, £150 if your medicine is lost or stolen, £750 for your possessions (£150 valuables limit), £2m personal liability and £20,000 for legal advice.
Standard Cover
With this policy you are covered for £3,000 if you’re unable to go on your trip, £3,000 if you have to come home early, £5m for emergency medical attention, £300 if your medicine is lost or stolen, £1,500 for your possessions (£200 valuables limit), £2m personal liability and £20,000 for legal advice.
Superior Cover
With this policy you are covered for £5,000 if you’re unable to go on your trip, £5,000 if you have to come home early, £10m for emergency medical attention, £400 if your medicine is lost or stolen, £2,500 for your possessions (£250 valuables limit), £2m personal liability, £500 for a natural disaster and £20,000 for legal advice.
Excess fees of between £70 and £150 apply to some claims.
Travel Insurance 4 Medical offers separate policies for cruise, winter sports and backpacker and longstay insurance.
See how Travel Insurance 4 Medical compares to other providers in our list of the Best Travel Insurance Providers.
Are there restrictions with Travel Insurance 4 Medical?
Travel Insurance 4 Medical has fewer restrictions when it comes to medical conditions (although some conditions may still not be covered), but other restrictions do apply. It may not be able to cover all conditions or quote for them online. You may have to call to answer more questions about your conditions.
We're planning to launch a product for cancer patients that does not involve medical screening.
With Travel Insurance 4 Medical, some activities (such as extreme sports and off-piste skiing) are not covered as standard and may require additional cover.
As is the case with most travel insurers, travel to countries the Foreign Office advises against all but essential travel to is not covered under the policy.
Multi-trip policies do not cover trips longer than 31 days unless an additional premium is paid.
Other exclusions may be listed in your policy documents, so make sure you read those carefully.
How much does cover from Travel Insurance 4 Medical cost?
The cost of travel insurance varies widely depending on the personal details of the person travelling, the duration of the trip and the destination.
As Travel Insurance 4 Medical specialises in offering cover for pre-existing medical conditions, providing a useful quote prediction is even harder, as each traveller’s specific conditions are likely to affect the cost of the premium.
It's best to get a quote on their website and it's always worth shopping around.
Does Travel Insurance 4 Medical cover over 65s, 70s and 80s?
Annual travel insurance only covers people up to the age of 75. However, the company’s single trip insurance, medical travel insurance and cruise insurance cover people up to the age of 100.
Backpacker and longstay insurance are available up to the age of 55.
Are discounts available for insurance from Travel Insurance 4 Medical?
At the time of writing this article, we were not able to find any discounts for Travel Insurance 4 Medical.
Travel Insurance 4 Medical customer reviews
On Trustpilot, Travel Insurance 4 Medical received a 5 out of 5 stars and a score of 9.3 out of 10, giving it a rating of Excellent (based on over 3,100 reviews).
On Smartmoneypeople.com, Travel Insurance 4 Medical has of 4.81 out of 5 stars, based on over 200 reviews (184 of those reviewers gave the service 5 stars).
Expert reviews of Travel Insurance 4 Medical
Independent financial researcher Defaqto rated Travel Insurance 4 Medical’s Superior policy as 5 Star, its Standard policy as 4 Star and the company’s Economy Extra policy as 3 Star (for both single and annual trips).
A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.
A 5 Star policy has “an excellent product with a comprehensive range of features, a 4 Star policy “has a good level of features and benefits” and a 3 Star policy has “an average level of features and benefits”.
How to make a claim
If you are abroad and need medical assistance, call Travel Insurance 4 Medical’s 24-hour medical emergency service on: +44 (0) 203 829 6745.
For legal advice (included in all Travel Insurance 4 Medical policies), you can call Slater & Gordon LLP on: +44 (0) 161 228 3851.
For all other claims, a claim form can be downloaded from the Travel Insurance Facilities Group (Travel Insurance 4 Medical’s claims facility) or by calling +44 (0) 203 829 6761 and asking for a claim form (lines are open Monday to Friday 08:30 – 18:00 GMT).
Other services available from Travel Insurance 4 Medical
Travel Insurance 4 Medical are a specialist travel insurance company, and so offer no other services.
