Travelling with someone who has a medical condition? You could still be covered on the same policy
Written by: Sarah Findlay Travel Insurance Expert
Reviewed by: Tracey Culwick Compliance Officer
Read time: 2 minutes
Planning a trip with your partner, family or friends? There’s already plenty to sort out - from flights and accommodation to passports, packing and everything in between.
Travel insurance is another important part of getting ready to go. Travellers with and without pre-existing medical conditions can be covered under the same travel insurance policy.
Just make sure you answer all medical screening questions honestly and check the policy wording carefully, so you know exactly what’s covered and understand any exclusions, limits or conditions that apply.
Why cover everyone on the same policy?
Having everyone on the same travel insurance policy can make things simpler, both before you set off and while you're away.
Cancellation cover for the whole group
A group policy means that you could all receive the benefit of cancellation cover should one person need to cancel for an insured reason. For many travellers, this can be one of the key benefits of having everyone on the same policy.
One policy, one set of documents
Keeping track of several travel insurance policies can be a hassle.
With everyone on the same policy, you’ll have one set of policy documents, one emergency assistance contact number and one place to check your cover before you go.
Simpler claims
If something unexpected happens during your trip and it affects more than one person, having everyone covered under the same policy can also make the claims process more straightforward.
Who can be covered?
Couples, families, friends and groups of up to 10 can all be covered under the same policy.
Whether you’re heading off on a cruise, city break, walking holiday or a special celebration abroad, travelling together doesn’t necessarily mean taking out multiple insurance policies. One policy could cover everyone for the same trip.
Before you travel, compare your options, make sure everyone’s medical conditions have been declared and choose a policy that meets the needs of everyone in your group.