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Medical cover
Pre-existing medical conditions/senior travellers
Naturally enough, insurance companies are not anxious to cover any pre-existing medical conditions and 99 per cent of the time they will exclude any known problems or simply refuse to insure you.
As this aspect is your main reason for buying your Insurance in the first place, it can be very frustrating trying to find decent travel insurance if you have had a health problems recently.
A company that are worth a phone call under these circumstances are MRL Insurance who specialise in the travel insurance area and are very professionally run.
Their details are:
• MRL Insurance
Phone: 0870 876 7677 (high tariff)
Internet: www.mrlinsurance.co.uk
MRL are also helpful for more elderly travellers going abroad, even with pre-existing health problems.
The average medical cover limit is £7.6 million, which seems an awful lot of cover even in the USA, but it is better to be over insured than under.
The upper limit is £10 million with people like E Sure and Liverpool Victoria to £2 million with More Than and Direct Line with £5 million.
It is probably sensible to think about the higher amounts if you are visiting the USA or undertaking hazardous sports like skiing and paragliding etc. |
