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.
Frequently Asked Critical Illness Insurance Questions
They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.
Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.
Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.