Travel insurance companies can underwrite a wide range of syndromes without a problem and bearing in mind the likely effect on medical costs whilst on holiday may or may not attract a slight premium increase.
Here is a list of common syndromes which can be underwritten for travel insurance.
| Acute Brain Syndrome | Dysautonomia | Klinefelter's Syndrome | Reiter's Syndrome |
| Acute Radiation Syndrome | Edward Syndrome | Klippel-Feil Syndrome | Rendu-Osler-Weber Syndrome |
| Adams-Stokes Syndrome | Ehlers-Danlos Syndrome | Kluver-Bucy Syndrome | Restless Legs Syndrome |
| Afferent Loop Syndrome | Eisenmenger Syndrome | Korsakoff Syndrome | Reye's Syndrome |
| Alport Amennorrhea-Galactorrhea Syndrome | Fanconi's Syndrome | Lambert-Eaton Syndrome | Riley-Day Syndrome |
| Asherman's Syndrome | Fanconi's Syndrome Type Ii | Leriches Syndrome | Scalded Skin Syndrome |
| Bantis Syndrome | Felty's Syndrome | Lesch-Nyhan Syndrome | Serotonin Syndrome |
| Barlow Syndrome | Fetal Alcohol Syndrome | Loeffler's Syndrome | Sheehan's Syndrome |
| Barret Syndrome | Fibromyalgia | Lown-Ganong-Levine Syndrome | Shoulder-Hand Syndrome |
| Bartter's Syndrome | Fisher Syndrome | Lutembacher Syndrome | Sick Sinus Syndrome |
| Behcets Syndrome | Fitz-Hugh-Curtis Syndrome | Malabsorption Syndrome | Sjögren's Syndrome |
| Boerhaaves Syndrome | Floppy-Valve Syndrome | Mallory-Weiss Syndrome | Stein-Leventhal Syndrome |
| Brown-Sequard Syndrome | Foster Kennedy's Syndrome | Marfan Syndrome | Stevens-Johnson Syndrome |
| Bud-Chiari Syndrome | Froin's Syndrome | Meigs Syndrome | Straight Back Syndrome |
| Carcinoid Syndrome | Gardner's Syndrome | Metabolic Syndrome | Sudden Infant Death Syndrome |
| Carpal Tunnel Syndrome | Gerstmann's Syndrome | Middle-Lobe Syndrome | Superior Vena Cava Syndrome |
| Cervical Syndrome | Gitelman Syndrome Glandial/Glands | Mikulicz's Syndrome | Takayasu's Syndrome |
| Chediak-Higashi Syndrome | Goldenhar Syndrome | Mirizzi Syndrome | Testicular Feminization Syndrome |
| Chinese Restaurant Syndrome | Goodpasture's Syndrome | Mobius Syndrome | Thorn's Syndrome |
| Chronic Fatigue Immune Dysfunction Syndrome | Guillain-Barre Syndrome | Munchausen Syndrome | Tietze's Syndrome |
| Churg-Strauss Syndrome | Gullian Barre Syndrome | Ochoa Syndrome | Toxic Shock Syndrome |
| Conn's Syndrome | Hamman-Rich Syndrome | Pancoast Syndrome | Tumor Lysis Syndrome |
| Cornelia De Lange Syndrome Costochondral Syndrome | Heerfordt Syndrome Hepatopulmonary Syndrome | Parinauds Syndrome | Turner's Syndrome |
| Crigler-Najjar Syndrome | Horner Syndrome | Peutz-Jeghers Syndrome | Ulysses Syndrome |
| Cronkhite-Canada Syndrome | Horner's Syndrome | Pica Syndrome | Waterhouse-Friderichsen Syndrome |
| Cruveilhier-Baumgarten Syndrome | Hun's Syndrome | Pickwickian Syndrome | Weismann-Netter-Stuhl Syndrome |
| Cushing's Syndrome | Irritable Bowel Syndrome | Plummer-Vinson Syndrome | Wilson Syndrome |
| Dandy-Walker Syndrome | Kartagener's Syndrome | Post Rubella Syndrome | Wolff-Parkinson White Syndrome |
| Digeorge Syndrome | Kearns-Sayre Syndrome | Prader-Willi Syndrome | Yellow-Nail Syndrome |
| Down Syndrome | Kimmelstiel-Wilson Syndrome | Premenstrual Syndrome | Zollinger-Ellison Syndrome |
| Dubin-Johnson Syndrome | Kleine Levin Syndrome | Puppet Syndrome | |
Top Tips When Buying Travel Insurance
- Always shop around for Cheaper Travel Insurance. Don’t just buy the travel insurance policy offered by your travel agent or airline.
- Always declare medical conditions that you have now, or have had in the past and answer questions truthfully. Also think about people you are travelling with, or family members who are ill and could affect your travel plans if they fall ill.
- Remember it may not cost as much as you think to be properly covered for your medical problems.
- Buying insurance online can often be cheaper than other methods and it is much easier to compare travel insurance policies online.
- Remember the cheapest travel insurance policy isn’t always the best. Look at the level of cover offered by each policy and make sure it’s suitable for your own needs.
- Always read the small print. Check the policy is suitable for what you plan to do on your holiday and make sure you know what you need to do if you need to make a claim. For example, when do you need to contact the travel insurer and what documents you need to get, like, receipts or police reports.
- Don’t duplicate cover. Check if you have similar cover elsewhere. For example, if you have baggage cover on your house insurance you could exclude it from your travel insurance.
- See how much an annual policy costs. If you make more than one or two trips overseas each year have a look at an annual policy that will cover all the holidays you make in a year. An annual policy covering Europe will be much cheaper than one that covers worldwide travel.
- Get an EHIC card (the replacement for the E111) from www.ehic.org.uk. It could save you money if you need treatment in the EU as medical excesses may not be charged if you use your EHIC.
- If you make a travel insurance claim and it is turned down write to the insurance company and make a formal complaint. If the company doesn’t change it’s mind, or you are unhappy with how it has handled your complaint, or after 8 weeks, you can complain for free to the Financial Ombudsman Service (www.financial-ombudsman.org.uk).
Do You Have A Pre-Existing Medical Condition You Need To Disclose?
You need to declare to the insurers whether you or anyone travelling with you has
EVER had treatment for:
- Any heart or circulatory condition
- A stroke or high blood pressure
- Any breathing condition (including asthma)
- Cancer
- Diabetes
Or if, within the last 24 months you have:
- Been treated for any serious / re-occurring condition
- Been referred to a specialist or hospital consultant for tests, diagnosis or treatment
- Been asked to take regular prescription medication.
Don’t worry if you need to disclose a condition, to keep costs down just ensure you use an online specialist that compares a number of different companies to ensure you get the best deal. Here’s an example of what you might pay.
Example Travel Insurance Premiums With Pre-Existing Medical Conditions
| Travel Insurance Premiums | 1 Week - Spain | 1 Week US |
|---|
| Standard Premium | £9.70 | £14.66 |
| Diabetes Type 2a | £16.84 | £64.56 |
| Epilepsyb | £16.84 | £40.05 |
| Slipped Discc | £16.84 | £40.05 |
Table Notes: Premiums for 40 year old for travel for 1 week from
PayingTooMuch.com. Comparable cover.
- Controlled with Insulin. Non-smoker. With high blood pressure controlled by 1 medicine. Dose has been increased in last 6 months and on medication to reduce cholesterol. No unplanned hospital admission in last year.
- Loses consciousness during fits. 1 to 3 fits in last 6 months. Controlled with 1 medication. No unplanned hospital admission in last year. First fit 6 to 12 months ago.
- Slipped disc affecting back and neck that interferes with daily life in last 5 years. 1 medicine. No unplanned hospital admissions in last 2 years, 6ft and less than 18st 6lb. Has seen osteopath in last 5 years. No pain relief patches in last year.
There’s no substitute for calculating your own premiums, it take a few minutes and there are trained staff during office hours to help you with any queries.