Specialist HIV travel insurance from
It's So
travel insurance
Specialist HIV travel insurance from
It's So
travel insurance
Financial Services |
Travel Insurance |
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How is your policy different to an ordinary one? How is your policy different to an ordinary one? If you are HIV+ and buy an 'ordinary' policy and then become ill with an HIV related condition, which causes you to cancel or cut short your holiday or need medical treatment during your trip, the claim will not be met. Even if you had a non-HIV related illness or accident and your HIV status became known, the insurer may void the entire policy as you would be regarded as not having disclosed all material facts. This could mean thousands of pounds in treatment and return home flights - many thousands of pounds if you need an air ambulance. What kinds of policy do you offer? We offer insurance for individual trips or you can be covered for any number of trips in a year under an annual, multi-trip policy. Under a multi-trip policy, you can take as many trips in a year as you wish, provided no individual trip is longer than 31 days. This maximum cannot be added to and if you take a trip that exceeds 31 days, the first 31 days will not be covered. Trips of more than 31 days have to covered under a single trip policy. Is there an upper age limit on your policy? Yes - we can insure people under a single trip policy up to the age of 75 and under an annual, multi trip policy up to the age 65 (the relevant age is the age you are when you book the policy with us, not how old you will be when you travel. Full details of the cover can be found by clicking the link Types of Cover at the top of the page. You can also view or download the full policy wording from that page. In short, you have up to £5 million for medical expenses, up to £3,000 for cancellation or curtailment and up to £1,500 for loss of baggage or personal items. Please note, the levels of cover are per person. Cancellation cover can be increased upon payment of an additional premium. There is a single item limit of £150. More valuable items should be insured under your home contents insurance. Scuba diving up to 30 metres and certain other activities are automatically covered under the list of Level 1 activities as shown in the policy wording. Activities in the Level 2 list attract an additional premium to be insured. Are there any situations your policy won't cover? Yes. No insurance policy will cover every situation and they all have exclusions. These are detailed in the policy wording. Are there any excesses on your policy? Yes. If you make a medical expense claim, you will need to meet the first £75 pf that claim or £50 for other areas of cover. However, you can take out an excess waiver, which means if you then make a claim, the insurance will pay out in full. The cost of the excess waiver depends on whether you are taking out a single trip or annual, multi-trip policy. Quotes can be obtained by clicking on the Online Quote & Book link at the top of the screen. Do you pass my name or other details on to anyone else? Your confidential information is not passed to other parties, especially insurance companies. We have written confirmation from our Underwriter that they, similarly, do not disclose confidential information to other companies. We are registered with the Data Protection Registrar. Do the documents you send me disclose my HIV status? No. Our policy covers HIV simply by ommitting the exclusion clauses that other policies contain. This protects your confidentiality. Furthermore, we insure people who have a wide range of medical conditions as well as people who have none, so just because you've insured with us, does not indicate that you are HIV+ How will my payment appear on my credit/debit card statement? It will appear as Easy Travel Ins. |
Sponsor of the Scotland Patients' Association Member of the British Insurance Brokers' Association Authorised and Regulated by the Financial Services Authority Member of the International Gay & Lesbian Chamber of Commerce Member of the International Lesbian & Gay Travel Association A Partner in the Foreign & Commonwealth Office's Know Before You Go Campaign. |
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