A recent survey by a Travel Insurance showed that over 4 million British travelers went without medical insurance while traveling outside their home country (as reported in the International Travel and Health Insurance Journal, Issue 164). Many thought that insurance was not needed while traveling within Europe, although nearly 10% reported having to pay for medical expenses while on their holiday. Furthermore, according to Sainsbury’s Travel Insurance, the average cost of an overseas medical claim for British travelers was £1,088. The average claim in the US, however was more than double this at £2,851, by far the highest average of the 9 countries listed. Main causes of claims were found to be accident, ear/nose/throat conditions, stomach conditions, respiratory conditions, bites or stings, and infectious disease.
From reading these and other articles, it seems that coverage purchased in the UK can be quite expensive for holiday travel and furthermore travelers must list pre-existing conditions. If pre-existing conditions are not listed, then they are denied coverage for these conditions should they suffer from these whilst away from home.
Luckily, UK and international travelers whatever their destination are perfectly eligible to purchase international medical insurance plans from US companies. Policy costs are usually very economic compared to European policies, especially if travel does not include the United States. Travelers can use our Visitors medical insurance comparison tool to compare prices and coverage of different policies. Some policies offer coverage for pre-existing conditions (there is no list of diseases to be mentioned in the application). Be sure you select your destination as either "US only" or "all nations including US" or "all nations excluding US" and your citizenship as "US" or "non-US" to get an accurate price quote.
While comprehensive travel health insurance plans like Patriot America Plus provide coverage for acute onset of pre existing condition up to the age of 70, comprehensive plans like Atlas Travel and Atlas Premium from Tokiomarine HCC extend their coverage for acute onset of pre existing condition for the age range of 70 - 79 with a policy maximum as high as $100,000 to $250,000. Atlas Travel plan: Plan Details Buy Now Brochure
A holiday experience should be relaxing and as carefree as possible. Insure yourself and your loved ones before you travel for peace of mind and for help with your medical bills should you incur any! As always, we wish you safe and happy travels.