Back Pain Travel Insurance
Remember
- Tell your insurer about any pre-existing medical conditions to make sure you’re fully covered
- Consider covering everyone travelling in your party in case you have to cancel
- Take a copy of your travel insurance documents with you
If you suffer from back pain through conditions like lumbago, ankylosing spondylitis and sciatica, then you might be finding it harder than most to find effective or cheap travel insurance. The reason for this is simply that many policies exclude any pre-existing medical conditions or, if they do cover them you might find the premiums higher than you’d expected.
AllClear specialise in providing insurance for people with both chronic conditions (classed as disabilities) as well as acute and short term ailments. This means not only can AllClear arrange travel insurance for people suffering from various forms of back pain, they can also offer competitive premiums.
What is back pain?
Back pain is a common ailment which can be caused through maintaining a persistently poor posture, bending, lifting or occur as a symptom of a medical condition like ankylosing spondylitis. It can occur in the lower back (lumbago), be a result of compression or irritation of the sciatic nerve (sciatica), a spinal disc herniation (slipped disc) and inflammation of tissue around the shoulder (adhesive capsulitis or frozen shoulder).
Do I need to declare my back pain as a pre-existing medical condition when buying travel insurance?
Yes. If you are suffering from short term, chronic or acute back pain you should advise your insurance company. Ailments such as sciatica and ankylosing spondylitis are among many pre existing health conditions which you must declare when getting a travel insurance quotation, otherwise your insurer may refuse to settle any claim you may later make under your policy.
Will having back pain prevent me from getting travel insurance?
Having back pain won’t prevent you from getting getting travel insurers. Whilst mainstream insurers will typically exclude some back conditions from cover, as a specialist broker, AllClear Insurance can arrange travel insurance for people with or short term or chronic back pain. You’ll find AllClear can give you options too, with single trip, annual, European and Worldwide policies as well as travel insurance for over 65s.
Information and support for people with back pain
The National Health Service website is a good starting place, featuring as it does details of various back conditions, the possible causes of back pain, symptoms, treatments, risk factors and measures that can be taken to prevent it. The charity BackCare also provides useful information and support, including an A-Z of back conditions and details of local chiropractors and the charity’s own branch support network.
AllClear take care of everything
Here at Fish Insurance, we’re proud to be working with travel experts AllClear Travel to provide you with cover for your next trip. AllClear’s team of experts will help find the cover you need at a price you’re comfy with. So if you’re planning your next break, all you have to do is decide where to visit first.
To get a quote or manage your policy call
Key benefits of AllClear’s cover*
- No age limits
- 1300+ conditions covered
- ‘Superior’ Covid cover** (includes return flight costs if you’re forced to stay due to Covid-19)
- Up to £15m medical emergency expenses cover
- 24/7 English-speaking medical emergency helpline
- Up to £25,000 for cancellation and cutting your trip short
- Up to £3,000 for your baggage
- Up to £500 travel delay cover
- Up to £1,000 optional cover for travel disruption
- Up to £2m personal liability cover
*All figures are per person and per trip
**Covid cover rated ‘Superior’ by a leading independent UK Consumer Champion in 2021
AllClear cover a range of pre-existing conditions
See what our customers are saying about Fish’s service
And we don’t stop there…
We’ve answered some of the questions you may have about Travel Insurance
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QIs back pain a pre-existing medical condition?
AA pre-existing medical condition is a condition you’ve been medically diagnosed with. Therefore, back pain can be classed as a pre-existing condition if you have ever been formally diagnosed.
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QWill travel insurance cover any back pain I am experiencing?
AYes, if your back pain is a pre-existing condition and you have declared it when purchasing travel insurance, any emergency treatment you need to seek for your back pain will be covered.
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QDo I need to declare back pain as a pre-existing medical condition?
AYes. It’s always best to declare any conditions you’ve been diagnosed with when applying for travel insurance, including back pain. This ensures any medication you may be taking will be covered, as well as any treatment for your back pain you need to seek while you’re away.
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