Medical Travel Compared UK: A Parent’s Guide to Travel Insurance

Planning a family holiday is exciting! But also full of little stresses, especially if someone in the family has a medical condition.

Whether it’s asthma, diabetes, or even a recent hospital visit, finding the right travel insurance suddenly becomes more anxiety inducing. You want to be covered properly without paying a fortune or getting caught out by confusing terms.

A name that might pop up if you’re Googling ‘travel insurance with medical cover’ is Medical Travel Compared.

But is it any good? Can you trust it?

Here’s a quick rundown of the most important points you need to know, so you can decide whether it’s right for your next family adventure.

Is Medical Travel Compared Legit?

Yes, Medical Travel Compared is a legitimate, UK-based comparison site specialising in travel insurance for people with medical conditions.

It’s not an insurance provider itself though. Instead, it helps you compare quotes from over 40 different insurers that are happy to cover travellers with medical histories.

It’s FCA-authorised and regulated, which means it must treat customers fairly and operate transparently. Founded in 2013, they’re well established in the insurance space and specifically for their niche.

Who Owns Medical Travel Compared?

Medical Travel Compared is an independent UK business, and it operates as a trading name of Medical Travel Compared Limited. It’s not part of a big insurance group like some of the global insurance providers you may be considering.

Is Medical Travel Compared a Good Company?

If you’re looking for travel insurance that doesn’t penalise you for being honest about health issues, then their website is a great tool.

Unlike generic comparison sites that often ignore or exclude pre-existing conditions, Medical Travel Compared lets you declare everything upfront and shows you quotes only from insurers that will actually cover you.

This is great if:

• You’ve got a child with asthma or other chronic conditions.
• A parent or grandparent is travelling with you and has heart issues, diabetes, etc.
• You want to feel more secure that you’re being fully covered, not just getting the cheapest price.

Declaring conditions properly from the start can be really stressful, so doing it upfront hopefully takes some of that stress away and gets rid of the confusion over who will and won’t cover you or a loved one.

Can I Trust Medical Travel Compared?

Medical Travel Compared currently has a thousands of reviews and a Trustpilot rating of 4.8/5 which puts them in the Excellent category.

Since it is a broker, not a provider, you’ll ultimately be dealing with the insurer you choose rather than Medical Travel Compared itself.

Does Medical Travel Compared Charge a Fee?

Nope. It’s completely free to use. You get quotes by entering your trip details and medical information, then choose the policy that suits you. The site earns a commission from the insurer you pick, but there’s no fee for you personally to get your quotes.

You only pay for the policy itself, and the prices are usually the same (or better) than going direct.

Are the Policies from Medical Travel Compared Expensive?

The cost depends entirely on your family’s medical history and the level of cover you choose.

It’s usually cheaper to cover the whole family under one policy than to split it, even if just one person has a condition.

The absolute nightmare situation is travelling with a child who has a pre-existing condition and wasting money on a policy that won’t get you the right help when you’re navigating a foreign country’s medical system.

The key benefit of Medical Travel Compared is transparency; you see side-by-side comparisons of insurers who actually cover your needs, rather than cheap options that won’t pay out later.

Does Medical Travel Compared Offer Anything Specific for Families?

While they don’t offer a ‘family plan’, their process lets you add multiple travellers, declare separate medical conditions for each person, and compare policies that cover everyone on the same plan.

This makes it far easier to find suitable cover for mixed-age groups (like kids and elderly relatives).

Policies can include:

• Emergency medical care abroad
• 24/7 medical helplines
• Cancellation due to illness
• Cover for lost or stolen luggage, passports, and tech

How Does Medical Travel Compared Work?

Here’s a step-by-step of how it works:

1. Visit the website and enter your trip details
2. Complete a ‘user friendly’ medical screening for each traveller
3. The site then filters and shows quotes from insurers willing to cover your declared conditions
4. You choose the policy that suits your needs and buy directly through the site.

Which Providers Does Medical Travel Compared Work With?

MTC works with over 40 insurers, including some big names like AllClear and Avanti.

Every provider they work with is FCA-authorised, and most specialise in offering cover to people with medical histories.

Is Medical Travel Compared Worth It for Families?

If someone in your family has a medical condition (and you want to avoid the stress of being uninsured or underinsured) Medical Travel Compared is an excellent place to start.

Their focus on transparency and accessibility makes them ideal for parents who want full cover. And from a specialist site that will actually show what’s on offer in minutes, rather than you trudging through different sites for hours!

As an established company, they’re well known and trusted.

But it’s worth remembering it will ultimately be the insurer you call if you need to claim – not Medical Travel Compared. So it’s worth separately reading the reviews about the insurance provider themselves too, before you commit to a policy.