Travel Insurance
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For a quote, call 01603 828 207, or email MedicAlert@heathlambert.com
Travel insurance that sets you free – in one call!
MedicAlert, in partnership with Unique Insurance Services, offer a specialist travel insurance policy that specifically caters for people living with medical conditions, disabilities and allergies, and their families and friends travelling with them and for supporters of MedicAlert.
The benefits available to you, adding peace of mind while away, include consideration for all medical conditions, disabilities and allergies, questions that are designed to assess your individual condition and access to Worldwide cover.
As well as that, we have no upper age limit on our Single Trip policies (and these are available up to 365 days and may be restricted to 92 days depending on Age, Destination and Health); our Annual Multi trip policies are available up to age 70 for Europe and Worldwide excluding USA, Canada and the Caribbean, and up to age 65 for Worldwide including USA, Canada and the Caribbean. If those benefits haven’t persuaded you already, then we’re able to offer a policy excess of only fifty pounds.
MedicAlert and Unique can provide everything you would expect from a standard travel policy, but also incorporating cover tailored for people living with pre-existing medical conditions or disability, including (but not limited to) - Cancellation Cover up to £5,000, Medical Expenses cover, which includes cover for loss of medication up to £300. Also, Personal Baggage cover up to £2,500, which includes cover for mobility aids (wheelchair, motorised wheelchair, walking frame/sticks and crutches). And Home Help or Nanny - cover up to £300 for the cost of additional home help or a registered nanny after being repatriated during your journey.
For full policy details and Terms and Conditions please refer to the policy wording, which can be viewed online.
If you'd like to purchase your travel insurance, you can Buy online....or call 01603 828 207 (reference website).
Why not save money by buying through the website? Completing a purchase online will get you a 5% discount off your premium. Not convenient for you right now? In that case, just email us your contact details and a preferred time to call at medicalert@heathlambert.com and we will contact you.
Or specialist representatives are available Monday to Friday 8.30am to 6pm and Saturdays 9am to 1pm.
Your medical information
Please note that MedicAlert does not share any of your medical information with Unique Insurance Services. If you wish to obtain a quotation from Unique you will need to provide us with your personal and, where appropriate, medical information.
Supporting The MedicAlert Foundation
For every policy sold Unique will make a donation to MedicAlert at no additional cost to you.
It’s not worth the risk
Most standard travel policies will have a pre-existing medical conditions exclusion. If you travel with a medical condition and then have to make a claim then any medical costs relating directly or indirectly to that medical condition would be excluded. Therefore, treatment for your condition is excluded and also the increased costs if treatment is affected by your condition are excluded. You are then personally responsible for these additional costs. In addition, the pre-existing medical condition exclusion usually applies to the policy as a whole, regardless of whether the person living with the condition is named on it or not. This means that any claim related directly or indirectly to a pre-existing medical condition, even for someone not on the policy, may be refused. For example in the event of cancellation or curtailment of the holiday due to the pre-existing medical condition of somebody travelling, no member of the travelling party may be covered to claim for the holiday, or the portion of it that was lost. This is why Unique Insurance Services suggests that all members of the travelling party are insured on a travel policy covering pre-existing medical conditions.
The European Health Insurance Card (EHIC)
If you use the European Health Insurance Card (EHIC) to reduce the cost of any medical treatment, then the £50 excess for each and every claim for Medical and Emergency Expenses will not apply. Please note that the EHIC is not a replacement for travel insurance. The EHIC allows you to access state-provided healthcare in all European Economic Area (EEA) countries and Switzerland. There are conditions and restrictions as to what is covered and the EHIC does not provide any cover for repatriation. Full details of the cover provided by the EHIC can be found on the EHIC website (www.ehic.org.uk). This also provides a link giving you details of the conditions and restrictions in each country.
Unique is a trading name of Heath Lambert Limited which is authorised and regulated by the Financial Services Authority. Registered office: 133 Houndsditch, London, EC3A 7AH. Registered No. 1199129, England and Wales.
