Doesn't require you to disclose HIV as a pre-existing medical condition (regardless of CD4 count/viral load level) and never discloses your HIV status on your documents
Because of the current restrictions in place, we are only able to offer Single Trip policies online and in Call Centre for trips starting after the 14th June 2020 for only the following schemes:
Pre-existing medical conditions Click Here
Specialist HIV policy UK residents Click Here
No Minimum residency condition policy Click Here
For new policies
Our Travel Insurance Policies have an exclusion which prevents you for claiming for any claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later). Late on 11th March 2020 the World Health Organisation confirmed Coronavirus (COVID-19) has reached pandemic status. Therefore, it is reasonably foreseeable that it may give rise to a claim.
Any new policy purchased, or new trip booked which is covered by an existing annual multi trip policy, after 11:59pm (23:59) on the 11th of March 2020 will NOT cover any claims in relation to Coronavirus, including but not limited to, cancellation due to your diagnosis of Coronavirus, changes in FCO advice or flights being cancelled or medical expenses.
Any new policy purchased, or trip booked on annual multi trip policy will still benefit from all other cover including Emergency Medical Costs, Cancellation and Baggage, so long as you are not travelling against FCO advice.
As well as things other policies cover, we also provide: alerts about situations that could affect your travel with '360 Assistance. Delayed at an aiport for longer than 2 hours? Gain access to the Executive Lounge with 'Stranded Passenger. Click here for more details.
It’s unique: unlike other travel insurance providers, we don't require you to disclose your HIV as a pre-existing medical condition, regardless of your CD4 count or viral load level - in fact, we don't even ask about these! HIV is automatically covered without answering medical questions about it. Other insurers ask you these questions or require you to declare HIV if you don't meet their criteria.
Furthermore, to our knowledge, we're the only insurer that never discloses your HIV on your insurance documents. Other insurers, who require you to declare your HIV, will then disclose it on the documents they issue to you.
Clinics, hospitals and charities from all over the UK refer their clients to It's So Easy Travel Insurance, many of whom have been with us for years.
Even if your HIV is well controlled and you are healthy, something can still happen - just read the testimonial at the bottom of this page.
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.
If you hadn’t declared your HIV status to the insurers, they 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 thousands of pounds – especially in the USA but now in Europe, too. If you need to be repatriated, the cost can be many thousands of pounds!
even if they're not HIV+.
If your travelling companion(s) take out ‘ordinary’ travel insurance, it probably won’t cover them if they want to make a claim because you’re ill - for example, for cancellation or to remain with you if you need to be in hospital.
It’s usually the case that insurers won’t cover someone if the person they’re travelling with has a medical condition, unless everyone is covered under the same policy.
It's therefore highly adiseable that your travelling companion(s) are also insured by us.
Until my recent holiday to Florida, I had never spent a single night in hospital. When I took out annual travel cover for my boyfriend and me in March 2014, I never imagined that I’d be rushed into an American ER room three weeks later. A small stye on my right eye had developed into an antibiotic-resistant cellulitis. I was told it was serious and required immediate IV antibiotics, which would mean being admitted to hospital.
From the word go, I was treated [by the 24 hour assistance service] with compassion, care and respect. I was given a simple-to-remember individual case number. I was told clearly what information/action was needed from me and what, in turn, they would endeavour to do for me. Within 48 hours of being admitted, Specialty Assist confirmed I was covered for my mounting medical expenses and every agent I spoke with treated me as an individual and helped ease my concerns about the bills. Specialty Assist dealt directly with the hospital after admission, freeing me to concentrate on my recovery, and recouping the relatively small amount of pre-admission charges I’d accrued from attending a walk-in clinic and pharmacies in the week before I was admitted.
After returning to the UK I submitted this claim, which was handled swiftly and without question. In summary, I am very grateful for all your help and so pleased that I took out a policy with It’s So Easy. Thanks very much for being there when I needed you! I have already recommended your business to friends and colleagues. Well done.