When it comes to traveling with Chronic Obstructive Pulmonary Disease (COPD), it’s possible to get travel insurance that caters to your specific needs. Here’s the lowdown on securing the right coverage for your adventures.
First, being upfront about your COPD when applying for insurance is critical. By declaring your condition and providing detailed information about it, you’ll get access to various travel insurance policies specifically designed for folks with COPD. Think of it as tailoring your insurance to fit you perfectly, just like a custom-made suit!
You’ll need to answer a few critical questions about your COPD. These include details about your medication, hospital visits, how your breathing is after walking a certain distance, whether you’ve needed oxygen therapy outside the hospital if you’ve ever smoked, and if you’ve had pneumonia or other chest infections recently. This might seem like a lot, but providing accurate answers helps ensure you get the best possible coverage for your situation.
What does COPD travel insurance cover?
When it comes to what COPD travel insurance covers, expect a standard package that includes those valuable benefits we all look for – like coverage for lost or stolen belongings (yep, that includes your medication) and trip cancellation. Importantly, each policy will have different limits, but generally, you can expect coverage for emergency medical expenses, which is crucial for anyone managing COPD.
And here’s a comforting fact: the insurers we work with are experts in covering pre-existing conditions, so you’re in good hands. We believe in fair pricing without any sales pressure, so you’ll always see the best prices available.
How much is travel insurance for COPD?
COPD travel insurance costs between £10 and £50 per month. However, severe COPD can make some policies more expensive or even unavailable for people.
The price of travel insurance for people with COPD varies depending on your condition’s severity, the location and length of your trip, your age and medical history, and the amount of coverage you select. It is advisable to compare quotes from various providers before buying a policy because insurers may have different criteria and prices for covering COPD.
Is travel insurance more expensive for individuals with COPD?
Travel insurance companies may charge higher premiums for COPD coverage than standard travel insurance due to the increased risk of medical emergencies and complications. However, this does not mean affordable and comprehensive coverage for your condition cannot be found. Many specialist providers offer travel insurance for COPD and other pre-existing medical conditions. They can tailor a policy to suit your needs and budget.
You can compare travel insurance for COPD by using a comparison website like Medical Travel Compared or Just Travel Cover. You can enter your personal and medical details on these websites and receive quotes from multiple providers in minutes. Then, you can compare different policies’ benefits, features, and prices and select the one that best suits you.
Alternatively, individual providers can be contacted directly and asked for a quote. AllClear Travel, Staysure, and MTC offer travel insurance for COPD. You may request to answer some questions about your condition and provide supporting documents such as a letter from your doctor or a prescription.
When choosing an option, carefully read the policy wording and verify the exclusions, limitations, and excesses before purchasing. To evade invalidating your coverage, declare all your medical conditions and changes in your health or medication.
What are the best insurance companies in the UK for travel insurance with COPD?
Here are some insurance companies in the UK that offer travel insurance with COPD, along with their ratings and premium costs.
Staysure offers tailored coverage for people with COPD and most other pre-existing conditions. They provide unlimited emergency medical expenses, cover lost medication, and do not have an upper age limit. Their Trustpilot rating is 4.7 out of 5.
AllClear offers comprehensive COPD travel insurance covering individuals with chronic bronchitis, emphysema, or chronic obstructive airway disease. They offer up to £15 million in medical coverage and up to £25,000 in cancellation coverage, with no age limit. Their Trustpilot rating is 4.8 out of 5.
Do I have to declare COD on travel insurance?
If you have COPD, you must declare it on your travel insurance. COPD affects your lungs and breathing and is a pre-existing medical condition. If you do not report it, your coverage for any medical emergencies or complications related to your situation while traveling may be denied. This may result from expensive medical bills or difficulties getting the needed treatment.
To declare COPD on travel insurance, you must answer some questions about your condition, such as the severity, frequency of medication utilization, number of hospital admissions, and the need for oxygen therapy. The insurance provider uses these questions to assess your risk and offers a suitable policy covering your needs.
Using our web search tool, you can compare quotes for COPD travel insurance from various providers. Type “COPD travel insurance,” and you will observe a results list displaying information and prices.
How much is travel insurance for COPD | Conclusion
Insurance companies may charge higher premiums for travel insurance to individuals with COPD than those without pre-existing medical conditions. However, adequate coverage is essential to ensure protection in a medical emergency while traveling. You can find affordable travel insurance with COPD by getting quotes from different insurers and choosing a policy that meets your needs.