Emerald Life Travel Insurance
Specialist insurance provider Emerald Life focuses on the needs of under-represented and under-insured groups. Its new travel insurance policy has no requirement for customers to answer questions on HIV status, provided they are on stable anti-viral medicine and their viral load is undetectable. Three levels of cover are available:
Core. The basic travel insurance product includes cancellation and curtailment up to £3K plus baggage and possessions up to £1.5K. Emergency treatment is covered up to £5m.
Premier. This product has higher cover levels and includes cancellation and curtailment up to £5K and baggage and possessions up to £2K. Emergency treatment is covered up to £10m.
Optional winter cover. This covers activities such as skiing. There is optional cruise cover too.
Cover and exclusions are fairly standard for this type of cover.
Comment: Those with HIV now can have a fairly normal life expectancy according to the Terence Higgins Trust, yet still find themselves discriminated against by many insurers.
Emerald Life (it’s not actually a life insurance company, despite the name) now offers travel cover to those with HIV, provided they meet certain criteria. If they do, then the plan is well worth looking at.
Plus points: Travel insurance for those with well-controlled HIV; Choice of three levels of cover.
Not so plus points: Not everyone with HIV will qualify; Some other travel policies may offer more cover; Many protection advisers do not advise on travel cover.
Website: http://www.emeraldlife.co.uk.
Rating (max 10): Innovation: 8. Overall: 8. Gold
Tags: Emerald Life; Other