Do I need to have had both my Covid jabs to be covered?
As long as you’ve had the vaccines you’ve been offered for Covid-19, you should be covered. If you haven’t been offered both doses yet or you’re medically exempt then you can also be covered.
If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.
What sort of questions will I be asked about my kidney condition?
To make sure your travel insurance suits your needs, we’ll ask you a few simple questions about your kidney condition and any other pre-existing health conditions.
The questions you’ll be asked will depend on your particular kidney condition, but you can expect questions like the following:
- How often are you being monitored for your kidney problem?
- Do you require dialysis?
- How many unplanned hospital admissions for this problem have you had in the last year?
- Are you currently awaiting a kidney transplant?
Is my kidney condition covered by my Global Health Insurance Card (GHIC)?
If you’re planning a holiday to Europe, you’ll need to take a free GHIC (or an EHIC) as a condition of our travel insurance.
When the United Kingdom left the European Union, the GHIC replaced the EHIC as the means for accessing free or subsidised healthcare in selected European countries. Before you travel, make sure you check that your destination is covered by GHIC, just so you’re ready if you do need any emergency or necessary treatment for your kidney condition during your trip.
Remember, your GHIC is not the same as having good health conditions travel insurance. For example, it won’t cover you if you need to cancel your holiday.
Your GHIC helps reduce your medical costs where subsidised healthcare is available. If you can use your GHIC and have to pay a subsidised fee for your treatment, we’ll remove the excess fee on medical emergency claims for you.
I am awaiting/having dialysis for my kidney condition, will I be covered?
If you are awaiting or having dialysis, you may be able to get Single Trip Travel Insurance, depending on where you’re travelling to.
We can offer single trip cover, for the following locations, but please note this would exclude all pre-existing health conditions. This means if you needed to claim for a medical emergency that was caused directly or indirectly by the health conditions you’ve told us about, we wouldn’t be able to cover you.
- Belgium
- Cyprus (excluding Northern Cyprus)
- Denmark
- Finland
- France
- Germany
- Gibraltar
- Greece
- Italy
- Malta
- Netherlands
- Norway
- Poland
- Portugal
- Republic of Ireland
- Spain
- Sweden
- United Kingdom
You’ll still be covered for medical emergencies and cancellation, as long as they aren’t related either directly or indirectly to your pre-existing conditions. But you’ll still be covered for baggage, lost money and passports.
I’m taking my trip with my family, but they don’t have kidney conditions. Can we all go on the same policy?
Yes you can, and it’s something we recommend over several individual policies. That’s because if one of you has an emergency that causes the holiday to be cancelled – and if you’re all on the same policy, you’re all covered. That’s unlikely to always be the case if you have all bought your policies separately.
Buying your policy together isn’t just convenient. It means you and your family are spared the worry that a medical emergency will come with a financial burden. Instead you can be covered for the cost of your holiday.
What if my kidney condition is terminal, can you still cover me?
We may be able to cover you for your holiday with a single trip policy when your kidney condition is terminal.
We know you’re not defined by having a terminal condition and you may want to enjoy time with friends and family on holiday. But before you go on your trip, it’s really important to make sure it’s safe for you to travel. Speak to your doctors about your travel plans and they’ll be able to give you advice on whether you’re fit to travel. Once you’ve been given the go-ahead, it’s always best to make sure your plans are covered by specialist travel insurance.
Having a terminal kidney condition may not stop you from being insured with us. We’ll need to know that your life expectancy is more than six months after you return back from holiday and that it’s safe for you to travel.
To find out more, or to get a quote for your trip, get in touch with our friendly team on 0800 888 6195.
If I’ve already bought my cover and my medical condition changes, should I inform you?
Yes, please let us know as soon as possible.
If you forget to let us know about any of your health conditions, this may affect the validity of your policy and you may not be covered.
If you call our Customer Services Team they will be more than happy to help you update your policy.
