Travel Insurance: Frequently asked questions

Goodtogoinsurance.eu provides travel insurance for older travellers (travel insurance over 65) and those with existing medical conditions (travel insurance with medical conditions).

We have put together the answers to some of the questions that we are frequently asked about our travel insurance policies to help you make an informed decision about the travel insurance you are buying.

If you can’t find the information you are looking for please contact us.

Eligibility

  • Am I eligible for travel insurance cover?
  • We can provide travel insurance cover if you are resident in The Republic of Ireland.
    You must have been resident in The Republic of Ireland for at least 6 months and have a permanent address in The Republic of Ireland.  You must also be registered with an Irish doctor.

    If you are a UK resident please visit www.goodtogoinsurance.com

Medical questions answered

  • What do you define as a pre-existing medical condition?
  • If the answer to any part of the following question is "yes", then there is a pre-existing medical condition and you must declare the relevant condition(s) when purchasing your travel insurance:

    Have you or anyone in your party
    1. been prescribed medication, or received treatment or attended a medical practitioner's surgery in the last 2 years
    2. attended a hospital or clinic as an out-patient or in-patient in the last two years
    3. been currently put on a waiting list for treatment or investigation
    4. been diagnosed by a medical practitioner as suffering from a terminal illness
  • What if I or my travelling companions have pre-existing medical conditions?
  • Goodtogoinsurance.eu is designed to offer cover to people with medical conditions and their travelling companions. You will be asked some health questions and in most cases we can offer a quotation to cover your conditions.

     

  • What conditions will you cover?
  • For single trip policies, all types of condition can be covered up to a very high level of severity. For annual multi-trip policies we can cover a more limited degree of severity.
  • What about mental health conditions?
  • These are equally as insurable with goodtogoinsurance.eu as "physical" ones - from mild depression through to bipolar disorder or schizophrenia.
  • I have a close relative with a potentially serious medical condition. He's not travelling but if he became seriously ill or died, I'd want to cancel or curtail my trip. Am I covered?
  • We cannot medically screen someone who is not applying for insurance. So the way we deal with this issue is that you will be covered if your relative's doctor is prepared to state that at the time insurance was taken out, he/she would not have foreseen such a serious deterioration in his or her patient's condition.
  • Can you quote if my condition has not yet been diagnosed?
  • We can only cover conditions which have been diagnosed by a medical practitioner.
  • I am on medication to control my condition and therefore no longer have symptoms. Do I still need to declare this condition?
  • Yes, all medical conditions must be declared even if they are controlled by medication.
  • I'm on a waiting list for an operation? Am I covered if I have to cancel or cut short my trip because the operation becomes urgently available?
  • No.
  • I use a wheelchair. Is it covered?
  • Yes, for loss or damage up to €2,500, providing you own it. What's more, we'll pay for hire of another one whilst yours is out of action during your trip. Some other mobility aids are covered too (full list - wheelchairs, motorised wheelchairs, walking frames, walking sticks or crutches.)
  • How do you calculate my quotation?
  • The premiums vary according to a combination of factors (mainly age, type and severity of condition, destination and duration of trip).
  • Are there any important policy conditions regarding health?
    1. You must be fit to undertake your planned trip
    2. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad
    3. We will cover you only for pre-existing medical conditions that you have declared to us and which we have accepted in writing. These are set out in the policy document pack, along with the answers you gave to our medical questions.
    4. We will not cover you if your state of health was worse than you told us at the time you purchased your policy.
  • What if I'm pregnant?
  • Travelling When Pregnant - Pregnancy is not a medical condition, so you are able to travel until you are quite late into your pregnancy.  Our policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive for a single pregnancy, 0 to week 24 inclusive for a multiple pregnancy whilst you are away.

    From the start of week 29 to week 40 for a single pregnancy, or 25-40 for a multiple pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if any of the following complications arise: Toxaemia, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.

    Please note we will not cover denial of boarding by your carrier so you should check that you will be able to travel with the carrier/airline in advance.

    It is essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip; no cover will be provided for cancellation in the event that, after booking you discover travel is advised against, or you are unable to receive the appropriate and required vaccinations for that country.  

    Please make sure your Medical Practitioner and Midwife are aware of your travel plans, and that there are no known complications and you are fit to undertake the planned trip.

  • Surely I don't need medical cover if I'm going to an EU country?
  • Yes you do.

    Some countries have a reciprocal health care agreement with the UK (e.g. the countries in the EU, Switzerland, Australia and New Zealand). UK residents are entitled to necessary medical treatment on a temporary visit to these countries, either free of charge or at a reduced cost by using the European Health Insurance Card (EHIC) which you can apply for at your local post office or by calling 0845 606 2030 or online at www.dh.gov.uk/travellers

    However, goodtogoinsurance.eu covers many crucial costs which are not covered by any reciprocal health agreements. For example the cost of repatriation, additional accommodation costs or the cost of a relative or friend to stay behind, or travel from your country of residence, to accompany you home if you are ill. Moreover, a substantial contribution from the patient towards treatment cost is often required under reciprocal agreements and prescriptions and emergency dental treatment are often excluded too.
  • Should I still apply for an EHIC if I'm visiting one of these countries?
  • If you do have an EHIC and it results in a reduction in the medical costs that we have to pay, we will waive the excess on your claim. So it's worthwhile.

Buying online and policy documentation

  • Is your website secure?
  • Our website secures your personal information using a GEO Trust SSL certificate. Information exchanged with any address beginning with https is encrypted using SSL before transmission.
  • How can I pay for my travel insurance?
  • We accept - Visa, Mastercard, Visa Debit, Maestro cards
  • I've just purchased travel insurance online. How and when will I receive my policy documents?
  • Your personalised policy documents will be emailed to you as soon as you have paid for the policy. If requested, we will also post a policy documentation pack to you which you should receive within 5 working days.
  • Do I need to take my travel policy documents away with me?
  • You should take the policy booklet with you whenever you travel. It contains full details of the policy cover, conditions and exclusions, together with contact details for our 24-hour medical emergency service. For convenience, we provide a one-sheet summary of things you need to know, including important contact details
  • I'd like to shop around first, is it possible to save my travel insurance quote and come back later?
  • You can save your quote at anytime during the process, you just need to click 'save quotation' and enter your email address.
  • Can I contact goodtogoinsurance.eu by telephone?
  • You can contact us on 0169 50335. We are available Monday to Friday from 9am to 5pm.

Obtaining medical assistance and making a claim

  • How do we get medical health assistance abroad?
  • If you are admitted to hospital as an in-patient or you have some other kind of medical emergency, you must call the 24-hour medical emergency number shown in your documentation. The assistance company will then take over the conduct of your claim.
  • How do I make a claim through my travel insurance?
  • Please call the claims company on 00 44 203 829 3815 or download a claim form from our website.
  • What excess would I need to pay if I had to make a claim?
  • The excess varies according to which level of travel insurance cover you choose. There is no excess at all on our Platinum policies. On our Gold policies the standard excess is €75 per person and the medical excess is €150 per person.On silver policies there is an excess of €500 per person on medical claims. Some sections have no excess at all. Please check your policy wording for full details