Thank You Kevin - all received O.K. I wish everybody was as helpful and pleasant to deal with as you. SL

Our first contact with you was through Kevin Waite a couple of years ago - had a brilliant service then and have used you ever since. Keep up the good work. CR

This is my third year using Easy Travel Insurance and it is to be highly recommended in all respects. Kevin is super efficient, friendly and professional. It only took literally moments to get my Insurance arranged even though I had left it almost to the last moment!! Long may you reign....in the Insurance business at least!! ML

Thanks Kevin,  you really are the star your website says you are. JP

Kevin knows what he is doing with professionalism and with a service that many insurance companies could do to learn something from. I have used him for myself and my partner for the last 3 years will never go with anyone else now.
MC

I have recently booked Insurance twice with 'It's So Easy' and I have had the pleasure of booking it with
Kevin Waite. After searching to find decent insurance for a person with HIV, I have found this company to be not only the best for price, but also
outstanding for customer service. Kevin went out of his way to help me the first time. I called back in November, and upon calling back today i was so thrilled to know that it was truly 'easy' to book some more insurance with the
added piece of mind that my card details were not kept in any way for security reasons and the whole process took literally seconds.

I know it sounds cheesy, but i just wanted to say such a huge thank you. AA

Thank you very much Kevin – now THAT is service! JM

What a joy! Second year running we have taken insurance out through 'It's So Easy...'

Very responsive, speedy, courteous and helpful service. Didn't even bother searching about for quotes as was so impressed first time round! Would not hesitate in recommending using 'It's So Easy' to anyone!

A real pleasure to speak to Kevin and have all your questions answered fully and in such a nice manner. Many thanks Kevin!!! Keep up the good work! DF

Kevin was very helpful and honest. Talked us through the options and the best cover for us both. What he says he delivers. Documents were sent via email within a few hours. Highly recommended. A&S

Thank you for making things so easy. Your service was first class. You put me at ease immediately. The documents were downloaded very quickly. The cost was also extremely competetive. I will return to you for all my future medical insurance needs when travelling - MH

Without wishing to be cheesy, thanks for making this so easy!  I’m fairly recently diagnosed and expected this whole insurance process stuff would be a complete nightmare to sort out. JW

Flights booked, insurance received, thank you. You were really helpful when I first called a few weeks ago and on the phone again today. I appreciate all you help. Easy Travel "the best"! VT

Fantastic, responsive service. This is the second time we've insured with It's so Easy and will continue to do so. Thoroughly recommended. NJ

Be properly protected !

Being HIV+, it really isn't worth the risk of travelling without travel insurance that will cover you for anything HIV related.

If you take out 'ordinary' travel insurance and make a medical expenses claim, the insurer will, as matter of course, check if you have any pre-existing medical condition. This is when your HIV status would come to light, which would be regarded as a pre-existing condition.

The insurers could void the entire policy or refuse to meet your claim. Even if your illness was not HIV-related, they could decide that, in their view it might be and refuse to pay out.

Medical expenses can run into many thousands of pounds - especially if you need to be air-ambulanced to a hospital or repatriated.

By being properly and adequately insured, you can avoid the possibility of ending up with a serious debt.

Welcome!

Hello - my name is Kevin Waite and It's So Easy Travel Insurance is my company. When you make an enquiry or book on the phone, it's more than likely it will be me, personally, you speak to.

I have worked in the HIV field for over 20 years. Starting as a volunteer when London Lighthouse was a building site (then to become Europe's largest HIV/AIDS centre), I went on to establish the Welfare Service.

It's So Easy Travel Insurance is not owned by any other insurance company. You can therefore be sure that your confidential information is not going to be passed around within a group of insurers and potentially damage your prospects of obtaining other types of insurance.

Many hospitals, clinics and other HIV charities recommend the It's So Easy Travel Insurance policy. For a quote, just call 0845 222 2226 or click the online quote and book link at the top of the page.

Even if you're travelling only twice in the next 12 months, it could work out more economical for you to obtain our annual, multi-trip policy.

You will have my personal attention and if you have any questions, just ask - that's why I'm here.

• Up to £5 millon for medical expenses (including HIV related medical conditions)
• Repatriation to the UK (if necessary by air ambulance and with a nurse or doctor in attendance)
• Additional hospital benefits
• Up to £3,000 for cancellation or curtailment
• Up to £1,500 for loss of baggage or personal items
• Cover for delayed or missed departure
• Cover for loss of your passport
• Scuba diving to 30m and cover for equipment automatically included
• Many other activites automatically included
• Option to include other, higher risk activities
• Option to include winter sports
• Up to £2 million for personal liability

NEW! (see Details of Cover)

• If your medication is lost or stolen, we will pay for a repeat prescription of medication to be couriered to you within 24 hours (costs met up to £250)
• Single item limit cover increased to £250
• Optional extra to extend cover for higher value electronic and computer equipment to £400
• The age limit for annual, multi-trip policies has been increased to 69
• Most prices have been frozen for a second year running
• Some prices have been reduced

Are you travelling with someone who is not HIV+? They could be at risk
if they take out 'ordinary' insurance!

If you need to cancel, cut short or even extend your trip because you are ill for any reason, someone travelling with you may also wish to do the same.

However, if your travelling companion(s) take out 'ordinary' travel insurance and make a claim (for example to cancel their because you're ill, it may well not cover them if they make a claim that's linked to someone who has a pre-existing medical condition. For example, if they're making a claim to cancel, cut short or extend their trip with you because you're ill. Their insurers will, as a matter of course, investigate if you had any pre-existing medical conditions at the time your travelling companion(s) took out their policy.

Obviously, HIV is and the insurers will probably check if this had been declared when your travelling companion took out their insurance. If not, they may then refuse your companion's claim because they may say that this was a material fact that should have been declared. Even if it had been, they may well have refused to accept any claims related to it.

Even if you maintain that your being ill was not HIV related, they may argue that, in their opinion, it was or that your HIV status may have contributed to it and that they don't pay any HIV-related claims.

If someone travelling with you wants to ensure that their claim will be accepted if it's linked to you being ill, then they should also be covered under our policy. Whether the claim is then related to you being HIV+ will not come into it.

LIFE ASSURANCE

As you probably know, it's impossible to obtain life assurance that includes HIV cover from 'High Street' insurers. We can.

Because HIV is obviously a pre-existing medical condition, the premiums are higher than if you weren't positive and took out an ordinary life assurance policy. But at least you know that your being HIV+ is not going to prevent the policy from paying out.

Simply click here to go to the life assurance page, complete the form and we will quickly get back to you with a quote.

"I just take out ordinary travel insurance -
I'm concerned about confidentiality"

As someone who has worked in the HIV sector for many years, I understand the need for confidentiality.

If you take out 'ordinary' travel insurance and you needed to make a medical claim, the insurers would make enquiries about if you had any pre-existing medical conditions. It would come to light that you are HIV+. First, your claim may well be declined. Second, if that insurance company is owned by a larger one and is part of a group of companies, do you know whether your personal information will be shared within that group? How might that affect your application for other types of insurance? Maybe insuring with a standard insurer is not the best way to ensure the confidentiality you want to protect.

My company, my underwriters and medical screening company, will never pass your information to another insurer. The only time it may be necessary to disclose your HIV status is if the emergency medical assistance service needs to check with me urgently that you are covered because you need medical attention. Their level of confidentiality is equally as high.

The letters that go out with your insurance documents are from It's So Easy Travel Insurance, not HIV Travel Insurance. So if you want to ensure you keep up to date with developments in our services, make a note of this web site address (although you can also link to here from our general site: www.itssoeasytravelinsurance.com).