Travel Insurance

for people with medical conditions

Able2Travel Travel Insurance Help and FAQ’s

Your travel insurance questions answered

Here you will find the answers to our most frequently asked questions about Able2Travel’s travel insurance.

Policy Questions

Help! I need cover today as I go on holiday tomorrow. Can you help?

Yes of course we can! You can get an instant travel insurance quote online or call us on 01483 806 826. As long as your journey has not already commenced, we can pre-arrange cover or you can get a quote and buy online here. If you have already travelled, click here to find information on an alternative policy for those who have already travelled but please note, it does not cover pre-existing medical conditions.

 

I need annual travel insurance that will cover me for lots of trips throughout the year. Can you help?

Yes we can. Our Annual-Multi trip travel insurance policies can cover you for a number of countries and activities for those up to the age of 79. They’re excellent value too!

For a travel insurance quote, please call 01483 806 826 or click here.

 

What kind of travel insurance policies do you offer over 50’s, 60’s, 65’s,70’s and 75’s?

We offer a range of travel insurance policies, which travel insurance policy you choose is up to you and depends on your budget and the way you like to travel. With our different levels of travel insurance cover, you can choose the level of cover you require. Our policies offer up to £10 million worth of emergency medical cover as well as many more benefits.

Our Annual Multi Trip Travel Insurance policies have a maximum age limit of 79 and our Single Trip Travel Insurance policies have an age limit of 79 if you’re travelling to Canada, Caribbean, China, Hong Kong, Mexico, Singapore and the USA but no upper age limit in areas 1-4 of our territorial limits. Please refer to page five of your Able2Travel Travel Insurance policy wording for further information.

 

Does Able2Travel insure people under the age of 50?

Yes, we do. Able2Travel Travel Insurance can insure those with pre-existing medical conditions as long as they are over the age of 18. Those under the age of 18 with a medical condition must be accompanied by an adult or be added on to a family policy during the medical screening process.

 

Does my travel insurance policy cover repatriation?

Yes. All Able2Travel travel insurance policies provide cover for unexpected Repatriation, if it is medically necessary, which would be advised by the Emergency Assistance Team.

 

Can I make changes to my travel insurance policy?

It is an ongoing condition of this travel insurance policy that you inform us of any changes in your medical conditions, in order to ensure you have the travel insurance cover you need. This can result in an additional premium being changed. Adding optional upgrades can be made at any time prior to your departure within the terms and conditions of the policy. However, it is not possible to reduce coverage in return for a partial refund.

 

Can I cancel my policy at any time?

Policies are fully refundable (minus any transaction fees) within 14 days of purchase. However, refunds are not possible if travel has commenced and no potential claim has been encountered.

 

What should I do if I have not received my policy documents by email?

All Able2Travel Travel Insurance policy documents are sent out by email and usually arrive within 5 minutes where a correct email address has been provided. However, occasionally the email can be rejected by your Internet Service Provider due to them wrongly identifying it as spam.

If you have not received your travel insurance policy within 3 hours of making your booking, call our Customer Service team on 01483 806 826 who will confirm your email address and resend your documents.

 

Where can I find a copy of the Policy Wording?

A copy of the full Able2Travel Travel Insurance policy wording is available here along with more details and features of the Able2Travel travel insurance policy. Additionally, a copy of the policy wording will be attached to the email along with your policy certificate if you buy a policy.

 

Do I need to declare medical conditions which I am no longer receiving treatment for?

Yes. Any previous or current medical or mental sickness or condition that has resulted in the need of treatment in the form of prescribed medication, medical consultation, investigation or a check-up within the last 2 years needs to be declared. Make sure you answer all questions truthfully and accurately as failure to do so could invalidate your cover.

Any cardiovascular or circulatory condition (e.g heart condition, blood clot, raised cholesterol) that has occurred at any time prior to the commencement of cover.

No travel insurance claims arising from any pre-existing medical condition(s) will be covered unless you have declared these to us and they have been accepted by us

 

Who are the Insurers?

This travel insurance is administered by Voyager Insurance Services who are authorised and regulated by the Financial Conduct Authority FRN 305814. Sections 1 to 24 of these policies are underwritten by Syndicate 1084 at Lloyd’s, managed by Chaucer Syndicates Limited.

Section 25 is insured by Lloyd’s syndicate 4444 which is managed by Canopius Managing Agents Limited who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. For full information, please refer to your policy wording.

 

What are the maximum trip durations?

Please see the table below for full information on trip periods:

Policy Features

Single Trip Policy Features

 

Silver

Gold

Platinum

Maximum age at date of departure (area 1-4 - see page 5 of the Policy Wording) No Limit No Limit No Limit
Maximum age at date of departure (area - 5 - see page 5 of the Policy Wording) 79 79 79
Maximum period per Trip if aged up to 64 365 days 365 days 365 days
Maximum period per Trip if aged 65 to 79 45 days 45 days 45 days
Maximum period per Trip if aged 80 to 85 31 days 31 days 31 days
Maximum period per Trip if aged 86+ 21 days 21 days 21 days
For travel commencing prior to 31/12/2020 31/12/2020 31/12/2020

Annual Multi-Trip Policy Features

Maximum age at start/renewal of cover 79 79 79
Maximum period per Trip if aged up to 64 31 days 45 days 60 days
Maximum period per Trip if aged 65 to 69 31 days 35 days 45 days
Maximum period per Trip if aged 70 to 79 31 days 35 days 45 days
Business Travel Included Yes Yes Yes
Home Country Trips (minimum 2 nights in pre-booked and pre-paid accommodation) Yes Yes Yes

 

Who handles the travel insurance claims?

In the event you do need to make a travel insurance claim, the fastest and easiest way to do this is to make a claim at www.submitaclaim.co.uk/a2tmk2 or alternatively you can contact the claims handlers at:

Claims Settlement Agencies LTD

308 London Road,

Hadleigh, Benfleet,

Essex

SS7 2DD

Tel: 01702 746560

Email: info@csal.co.uk

Please ensure that you have completed a claims form before sending in any documentation to support your claim including your policy certificate, trip dates, details of the incident and any other supporting documentation you may have.

 

Who are the Emergency Assistance Team?

The Emergency Assistance Team are your first point of call in the event you injure yourself or fall ill abroad and require medical treatment or if you need to come home earlier than planned. Before you get taken to hospital or shortly after being admitted in the event you are taken to hospital in an ambulance, yourself or your travelling companion should call us immediately on +44 (0) 203 824 0742.

 

Am I covered for holidays in the UK?

Yes. Our Single Trip Travel Insurance policies can provide you with cover between 21 and 365 days dependant on your age for single trips to a UK destination. Our Annual Multi Trip policies include travel insurance cover within the UK so long as you are staying for at least 2 nights in pre-booked and pre-paid accommodation.

For a travel insurance quote please call 01483 806 826 or click here

 

Still have questions?

Call our Able2Travel Travel Insurance Customer Service team on 01483 806 826 or send an email to Contact@able2travel.com and we’ll get right back to you.

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Prefer to talk to us?

Call our UK Call Centre on 01483 806 826

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Why Choose Able2Travel?

  • Specialists in travel insurance for people with existing medical conditions
  • Full Cover available for 1,000s of conditions
  • Instant cover by telephone or quick and easy online screening in a few minutes
  • Great value cover also available for you and everyone travelling with you