Does critical illness insurance cover overseas travel?

I do lots of overseas travelling for both business and vacation. I’ve started looking at insurances to pay of outstanding loans if i’m unable to work. I’m thinking about Critical Illness insurance. If something was to happen when i’m abroad would a claim still be valid?

Question asked by Meena Gandhi
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Robert Harvey

Most providers will cover you anywhere in the world

The great news with Critical Illness Insurance is that the majority of insurers will provide cover anywhere in the world, this means regardless of the country you travel to, if you were to suffer one of the specified illnesses or injuries whilst travelling overseas, you can claim. Most insurers do however require that any diagnosis or supporting medical evidence must be obtained in a specified country area, usually Western Europe, Australia & New Zealand or North America.

So for example if you had a heart attack whilst travelling in Asia, you may have to return to Europe for treatment and for the insurer to obtain medical claims evidence.

Visiting high risk countries

In certain instances exclusions may apply based on past or future travel plans, usually if there are firm intentions to visit higher risk countries where there is war or civil conflict, or a high incidence of infectious diseases. As all Critical Illness Insurance policies are underwritten up front, prior to accepting the application, the insurer will ask thorough questions about travel plans and will notify you of any special terms.

Get in touch…

If you have any definitive travel plans when looking to take out cover, your adviser will be able to approach each insurer on your behalf to establish whether this overseas travel will have a negative bearing on the policy and find a provider best suited to your needs.

critical illness insurance
 
travel
 
claim
 
This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’ve recently got my first mortgage and have been advised to get critical illness cover by a friend,...
 
I’ve had a couple of medical conditions in the past and was wondering if i could still be eligible...
 
My husband and I have just purchased our first home together and we are looking for critical illness...
 
I’m thinking about taking our Critical Illness insurance for some time and have just taking our...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Matthew Draper
11/07/2018

Excellent service at convenient times of the day specified by me. All product options were clearly outlined and I am very pleased.

Paul Devine
10/07/2018

First class service. Helped me through the process from start to finish. Egle and Francis were very professional and talked me though all my options. Once the policies were set up, the after care after was also first class. Highly recommend. 5 stars all day long.

Josip Marjanovich
03/07/2018

Victoria was very helpful about selection of suitable insurance. She always answered all questions in a timely manner.

We are rated 4.9/5 based on 1512 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.93 / 5 Average
652 Reviews
Verified Buyer
Overall Rating
The whole process was a pleasure. Drewberry we're easy to deal with, polite, knowledgeable and helpful
Verified Buyer
Overall Rating
Very good, clear service would recommend to friends and family
Anon
Overall Rating
Sam Carr provided an efficient and professional service.
Verified Buyer
Overall Rating
Sam Carr provided a professional but enthusiastic service and helped make the whole process very straight forward. Goodness knows I have been through enough application forms recently. My insurance product was never going to be easy to find and I had been rejected on a number of other occasions through others ironically due to well managed common health conditions. I identified Drewberry in a last and disappointing trawl on th web to find someone that actually wanted to take on a difficult case like me. Some brokers wouldn't even consider me. When we applied for my first choice product Sam wasn't at all deterred by the long wait for my GP report or the final rejection that came back from the insurer, sadly I have become used to it. Within a day he had lined up the second choice and to my surprise he had hit the nail on the head and introduced me to the correct insurer and terms for my needs whilst nogotiating an excellent premium. I am extremely satisfied with what Sam has achieved for me and I would have no hesitation in recommending either him or Drewberry to friends, family and and business contacts. In the future, Drewberry will be my first point of contact. Many thanks!
Kym
Overall Rating
Tailored to my need and the staff gave very good service