Travel insurance if you suffer from depression is essential when you travel or take a holiday abroad just in case you fall ill and need medical treatment or you are unable to travel because you become ill before you leave the UK. The cost of receiving medical treatment away from the UK can be very high. For those with pre-existing medical conditions travel insurance can be expensive unless you shop around (this link might help you find cheap travel insurance for people with depression
Travellers that suffer from depression have in the past paid more for their travel insurance as those with depression, like many other sufferers of a pre-existing condition have had their premiums raised. The travel insurance companies consider those that are under the treatment of a doctor, even on a routine basis, may be more likely to claim and hence cause them to have to pay out.
For example, a 54 year old male, travelling to the United States of America for 1 week would pay around £13.42 if they didn’t have depression, but for the same person with depression, the premium could be £36.41, that’s around 3 times more expensive.
Sometimes customers with depression might also suffer with another condition. In our example the premium would still be £36.41 assuming the applicant was taking 2 additional medications for high blood pressure.
Additional rating factors which effect travel insurance are high blood pressure, high cholesterol and whether you smoke.
An additional question asked by travel insurance companies when you apply for cover with a disclosure of depression is ‘have you previously cancelled or cut short a holiday because of depression’, as history shows that where this has happened once, it is more likely to happen again, hence increasing claim costs for the travel insurance company.
And finally, those that are awaiting a diagnosis or additional tests face the largest premiums as what insurers’ hate most of all is uncertainty, especially around the possible risk of falling ill abroad with a condition that isn’t yet well controlled.