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Emerald Life is the first full-service insurance provider specifically focusing on the needs of under-represented and under-insured groups in the United Kingdom.
I just bought an Emerald travel insurance policy, multi-trip for my partner and me, and saved £25 a year versus the travel policy I had before!
Darren Styles , Publisher
Do you offer travel insurance for pre-existing conditions?
It depends on the condition. When you take out your policy, we'll ask you about pre-existing medical conditions. If you have one, we'll ask you a few more questions about it and see if we can offer you cover. If we can, your premium may be increased, so we'll offer you two prices - one with cover for the condition, and one without.
If you choose to have pre-existing medical condition cover, you will of course be covered for this while abroad - but you must let us know if your condition changes between taking out your policy and the start of your travels.
We are the first insurer in the UK where you do not have to declare HIV as a pre-existing medical condition if you have an undetectable viral load and have been stable on medication for the previous six months.
If you don't disclose a pre-existing medical condition when you take out your policy, you won't be covered for any claims relating to that condition.
If you are HIV+ and:
then you do not need to declare HIV as a pre-existing medical condition, and if that is your only medical condition then you do not need to go through medical screening. If you do not meet the conditions above or have other pre-existing medical conditions, then you will need to continue the medical screening and declare those pre-existing medical conditions.
Are any other medications or circumstances excluded?
How do I answer that question about 'pre-existing medical conditions' if I am transgender?
Do you offer a discount on family travel policies for single parent families?
Currently, the total veterinary bill for preparing your animal for travel to Ireland or any EU nation from the UK, could be over £300. After Brexit that cost is going to increase significantly. Some 45% of the population are pet owners, yet surprisingly only 8% of them have pet insurance.
Cheap insurance is abundant for most of us in our first few decades in youthful health. But as time goes on and we start to develop various ailments, medical travel insurance can become more problematic.
Large numbers of British travellers are not taking out travel insurance because of high prices and unclear coverage. Research by Medical Travel Compared surveyed 1,000 British citizens with pre-existing medical conditions and found 32% found it difficult to get travel insurance. A similar 34% said the cover was prohibitively expensive after including medical conditions.
Valentine’s Day can seem very formulaic to most people. Classic romantic gestures include chocolate, jewellery, flowers and luxurious dining – providing someone remembered to book.
Ryanair's cheap flights have ranked bottom in the Which? annual short-haul airline survey for the sixth year in a row.
A weekend spa break is the ideal gift for Valentine’s Day. It doesn’t matter too much where you go but just setting aside time to be with your partner without distractions can be a wonderful gesture. Plus, this is a gift you can enjoy yourself or even split the cost with your partner as a Valentine’s gift to each other!
Can you go on a ski holiday on your own? Of course! Skiing is a great solo trip idea that combines beautiful scenery, luxury accommodation and a great activity.
Cheap holidays in the UK are a favourite for many people who prefer UK breaks to the expense of travelling abroad. There are plenty of places to go in the UK for a great staycation. A weaker pound has made UK holidays all the more appealing while Brexit uncertainty continues to affect the European travel market.
What better way to enjoy Christmas Travel than Christmas fairs and Christmas Markets? Shop for unusual Christmas gifts and enjoy local cultures abroad at the same time while indulging in traditional Christmas treats like mulled wine and mince pies.
Younger travellers aged 25-44 have reported the greatest increase in travel insurance purchase for the second year running, according to American insurance company Berkshire Hathaway Travel Protection’s recent State of Travel Insurance report.
A recent report published by the Association of British Travel Agents (ABTA) has highlighted an increasing number of people are choosing to travel alone. The report confirmed that as many as 1 in 6 people decided that solo travel was best suited to them. The top reasons for doing so might surprise you
As the winter air makes your morning just a little bit harder and you sense the Christmas chaos approaching like a beating drum, the last thing you probably wanted to hear was that some highly organised souls have already gone and booked their next summer holiday.
Finding yourself in need of medical assistance when abroad can be costly without appropriate travel insurance. Here, we explore what a good insurance policy should consist of, and what to look for when selecting the right policy for you.
