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.