Specialist HIV travel insurance from
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Obtain a quotation and book online - keeping down costs and premiums!
|I am a hugely satisfied customer of It's So Easy Travel Insurance and related medical assistance group Specialty Assist. I am generally healthy, having lived with HIV on medication for a decade. 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.|
Be adequately protected !
It's vital to have HIV inclusive travel insurance, so that medical expense claims - whether HIV related or not will be met. Otherwise, you're exposing yourself to potential serious financial risk.
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 also now in Europe, too. If you need to be repatriated, we're talking many thousands - anywhere between £10,000 to £30,000!
A European Health Insurance Card only puts you on the same basis as an insured person in that country. It does NOT necessarily mean you'll get free treatment. Also, it won't cover you for curtailment or repatriation, and all the other things that our insurance policy will.
Hello - my name is Kevin Waite and It's So Easy Travel Insurance is my company.
I have worked in the HIV field for over 25 years. Starting as a volunteer in London Lighthouse (which became Europe's largest HIV/AIDS centre), I went on to establish its Welfare Service.
I developed this HIV travel insurance using my knowledge of HIV. It's a bespoke policy, which means it's unique; written in such a way that HIV is covered by default. I have known my underwriter for years and so we're able to respond flexibly to requests that other insurers would automatically decline. Others' policies are generic policies with little flexibility.
Unlike other travel insurance policies, we won't identify you as being HIV+ on your policy documents. This is very important for many people.
As long as you meet our Health Warranty, you don't need to undergo a medical screening. If you don't meet our Health Warranty, my colleagues at the screening service will help. Sometimes you'll chat with a qualified nurse, who's knowledge means we can tailor the screening to your particular circumstances rather than it being totally computer-based.
If your medication is lost or stolen, we'll pay for replacements to be couriered to you or costs invoved in seeing a doctor to have more prescribed. We think these kinds of things are important.
It's So Easy Travel Insurance is not owned by any other insurance company. Your confidential information is not going to be sold to other companies for marketing purposes or divulged to other insurers, potentially damaging your prospects of obtaining other types of insurance.
Many hospitals, clinics and other HIV charities recommend our policy. For a quotation, just click the button at the top of the page. Your documents will be immediately e mailed to you (if you don't have a printer we will post them).
Is someone travelling with you ?
If you need to cancel, cut short or even extend your trip because you are ill for any reason, someone travelling with you may also wish to do the same. This includes a situation if you have a partner who is HIV-.
If your travelling companion(s) take out 'ordinary' travel insurance, it may well not cover them if they need to make a claim because you're ill. Their insurers will, as a matter of course, investigate if your travelling companion had told them that you're HIV+. If not, the insurer may decline your companion's claim because they may say that this was a material fact that should have been declared. Even if it had been declared, they may well have refused to accept any claims related to it.
Even if you maintain that your being ill was not HIV related, they may argue that, in their opinion, it was or that your HIV status may have contributed to it and that they don't pay any HIV-related claims.
We think it's important also to consider the insurance needs of those travelling with someone who's HIV+!
All that needs to be done is that your travelling companion(s)/partner be insured by the same policy you take out with us. That way, if we've agreed to cover you, your travelling companion(s)/partner can claim even if the reason is related to you being HIV+ .
"I just take out ordinary travel insurance - I'm concerned about confidentiality"
As someone who has worked in the HIV sector for many years, I understand the need for confidentiality.
If you take out 'ordinary' travel insurance and you needed to make a medical claim, the insurers would make enquiries about if you had any pre-existing medical conditions. It would come to light that you are HIV+. First, your claim may well be declined. Second, if that insurance company is owned by a larger one and is part of a group of companies, do you know whether your personal information will be shared within that group? How might that affect your application for other types of insurance? Maybe insuring with a standard insurer is not the best way to ensure the confidentiality you want to protect.
It's So Easy Travel Insurance is my own, privately-owned company. I have it in writing, following personal discussions with my underwriters and medical screening company, that your information will never be passed to another insurer. In order to administer the policy, others may need to know someone's HIV status. For example, my colleagues answering the phone, the 24 hour medical assistance service and the claims handling service. Everyone is bound by laws of confidentiality (the Data Protection Act) and by regulatory bodies such as the FSA.
The letters that go out with your insurance documents are from It's So Easy Travel Insurance, not HIV Travel Insurance. So if you want to ensure you keep up to date with developments in our services, make a note of this web site address (although you can also link to here from our general site: www.itssoeasytravelinsurance.com).
As you probably know, it's impossible to obtain life assurance that includes HIV cover from 'High Street' insurers. We can.
Because HIV is obviously a pre-existing medical condition, the premiums are higher than if you weren't positive and took out an ordinary life assurance policy. But at least you know that your being HIV+ is not going to prevent the policy from paying out.
Simply click here to go to our HIV life assurance page, complete the form and we will quickly get back to you with a quote.
Sponsor of the Scotland Patients' Association