Finding comprehensive travel insurance that offers value-for-money can be a minefield. Throw in the perceived complication of a pre-existing medical condition, and potential higher premiums can put people off taking a holiday altogether.
Research undertaken by insurance broker and risk management specialist Gallagher has revealed that nearly a third (31 per cent) of people would forgo a holiday in order to avoid paying higher travel insurance premiums that holidaymakers may often face when a pre-existing medical condition is declared.
Whilst more than half (52 per cent) of holidaymakers would travel without insurance or not disclose an illness to avoid an increased premium. Both of these situations could potentially lead to someone facing large medical bills if they needed treatment abroad and have no travel insurance in place.
Enable Travel’s research is based on a survey of over 4000 responses via social media, so it highlights how people with a pre-existing condition, even after successful treatment, still feel it is worth taking the gamble of going abroad without any travel insuranc at all. In countries like Canada, Australia, or the USA the medical/get you home bills for a simple repair of a broken collar bone can easily top £10K.
Enable Travel Insurance Services is a new travel insurance solution that was set up specifically to address this. Offering competitive and comprehensive travel insurance for people with pre-existing medical conditions, as well as those accompanying them, Enable Travel Insurance Services aims to make travel insurance accessible, regardless of an individual’s circumstances. Covering over 1,300 pre-existing conditions, it offers both single and multi-trip policies, unlocking the freedom to travel.
Sarah Townsend, from Enable Travel Insurance Services, said: “We believe everyone should have the freedom to travel, whatever their circumstances. We hope that our insurance solution will offer an attractive alternative, helping to change the behaviours of those with pre-existing conditions who might be put off travelling or risk travelling without appropriate insurance. We want to remove the perceived barriers that intrusive medical questionnaires, lengthy forms and uncompetitive premiums present.”
The Lush/John Lewis Effect
Many modern companies offer a certain level of `feel good’ factor add-ons to tempt consumers into staying loyal and supporting good causes. So, as well as offering specialist travel insurance for people with pre-existing medical conditions, Enable Travel Insurance Services is committed to supporting charities, with two per cent of premiums going to charities supporting individuals with medical, disability or injury related conditions.