Insurance

Tyneside Kidney Patients Association

The NKF Holiday Pages - Holiday Insurance

It is important that you don’t book your holiday until you have taken out holiday insurance which covers you for a ‘pre-existing medical condition’ (see ‘Warning’ below). Most standard policies do not provide this type of cover and, below, is a list of companies that may be able to help if you have problems obtaining insurance:

Stay sure Travel Insurance 0800 033 4902 www.staysure.co.uk
Freedom Insurance Services 01223 454 290 www.freedominsure.co.uk
Able2Travel 01892 839 501 www.able2travel.com
All Clear Insurance Services 0845 250 5350/5250 Worldwide
Explorer Travel 0800 043 4003 Over 65s
Avanti Travel Insurance 0800 066 5604 www.avanti.co.uk
Liverpool Victoria 0800 022 3919
Free Spirit 0845 230 5000
Holiday and Medical Insurance 0800 068 0060 www.askaboutinsurance.info
JS Insurance 0844 692 3242
Just Travel Insurance 0800 542 7162 www.justthecover.co.uk
Medici Travel 0845 8800168 www.medicitravel.com
MIA Online 0845 647 2777
RIAS PLC 0845 045 1320 For over 50s
Travellers Protect 0845 230 0631
The Insurance Surgery 0800 083 2829 www.the-insurance-surgery.co.uk
Travelbility 0845 338 1638 www.travelbility.co.uk
World First Travel Insurance 0845 070 8902 www.world-first.co.uk/home/travel-insurance/medical-problems/medical-screening.aspx

Note: Insurance companies can and do change their Terms & Conditions - always ensure you have current information on Policies. Also note that insurance companies usually take each case on its merits; it is usually a case of phoning around and finding the one that is the most suitable for you.

Remember that, in Europe, in addition to the correct holiday insurance, you should also carry a European Health Insurance Card (EHIC).

The National Kidney Federation would welcome any feedback on the above companies; Also, details of any other insurance companies that you have found helpful with regard to insuring people with pre-existing conditions (Contact details below).

WARNING - Many Insurance Companies take on new policies without asking any medical questions. They are able to do this because they rely on a clause in the small print which says that they will not cover pre-existing medical conditions. Patients must realise that such policies do not give them Insurance cover, and that any claims as a result (both directly and indirectly) of existing kidney disease under such a policy would not be honoured in the event of a claim. Whether you were accepted (without disclosing existing illness) and are paying the premium, is irrelevant in such cases. To travel abroad without Insurance that covers you for your pre-existing medical conditions could be catastrophic financially.