You might be ok to travel, but are your travelling companions? If you are going away with a family member or friend with a medical condition it makes getting the right travel insurance essential.

January is one of the peak holiday booking periods of the year. If you are making plans for your summer holiday, getting the right travel insurance should be part of that plan.

For those of you who are travelling with a friend or family member who has a pre-existing medical condition, getting the right travel insurance becomes even more important. It is vital to ensure that even though you are healthy, you will be covered if your holiday has to be cancelled due to your companion’s medical condition.

This important element of travel insurance can be overlooked by healthy travellers who are simply looking for the cheapest travel insurance cover for their holiday. Yet, if your travelling companion falls ill before the holiday starts due to a pre-existing medical condition, causing your trip to be cancelled, you may find it difficult to get reimbursement if you are insured on separate travel insurance policies.

This means that it can pay you to stick together and buy one travel insurance policy to cover the whole family, or group of friends. If everyone is insured on the same policy, whether they have a medical condition or not, they would all be able to make a claim, in the event that it was deemed medically necessary to cancel or cut short the trip following another member of the party becoming ill due to a pre-existing medical condition.

Goodtogoinsurance.com specialises in travel insurance cover for pre-existing medical conditions — we can cover healthy friends and family on the same policy as those with medical conditions which will ensure that everyone in the party will be compensated if there’s an unexpected cancellation due to illness.

Everyone needs to declare their pre-existing medical conditions to make sure they have full travel insurance cover for medical expenses. And those travelling in a group with someone with a pre-existing condition should consider being covered on the same travel insurance policy so that they are properly covered for cancellation and curtailment.