Travel Insurance with No medical screening information is required: A Guide for People with Pre-Existing Conditions
Travel Insurance | Over 40 | No Medical Screening | Annual Coverage
If you are over 40 and have a medical condition, you can still travel with confidence – without having to disclose your full medical history.
Special plans like the NHSRF annual travel insurance offer peace of mind: no medical screening, no upper age limit after enrollment, and worldwide protection.
This guide introduces how these plans work, what they include, and how to qualify.
Why Choose a No-Medical-Screening Policy?
✅ Designed for Ages 40+
Plans like NHSRF’s are tailored for people aged 40–74. Once enrolled, there's no upper age limit, as long as coverage continues.
✅ No Medical Screening Required
You don’t need to fill in complex medical forms—even if you have pre-existing conditions.
✅ Unlimited Trips Per Year
Travel as often as you like with annual coverage, including holidays, business trips, and family visits.
✅ Long Single-Trip Durations
Each trip can last up to 65 days (or 45 days if traveling to the USA, Canada, or the Caribbean).
✅ Winter Sports Included
Up to 17 days of winter sports coverage every year.
What’s Covered in the NHSRF Annual Plan?
✅ Worldwide Protection
✅ No Medical Screening
✅ Unlimited Number of Trips
✅ Trip Duration: 65 Days (45 for US/Canada/Caribbean)
✅ Winter Sports: 17 Days
✅ Coverage for Partner and Children (up to age 21)
✅ No age limit after joining
Pre-defined travel only: trips must not involve terminal illness, chronic respiratory disease, or ongoing major treatment.
Estimated Cost Overview
Prices vary depending on age, trip length, and destination. Here are typical figures:
| Coverage Type | Estimated Annual Cost (GBP) |
|---|---|
| Basic (no medical needs) | £20–£50 |
| With some health conditions | £50–£150 |
| With multiple serious issues | £150–£500+ |
Get multiple quotes to compare and find a plan that suits your health and travel needs.
How to Choose the Right Policy
✅ No Screening Needed: Ideal for those who prefer simplicity
✅ Annual Plans: More affordable if you travel more than once a year
✅ Include Family: Add your partner or children to the policy
✅ Understand the Limits: Some severe conditions still won’t be covered
✅ Use Trusted Providers: Such as NHSRF, AllClear, Avanti, or Staysure
How No-Screening Insurance Helps in Real Life
Travel insurance without medical screening isn’t just a convenience—it can make the difference between a stressful experience and a smooth recovery. Here are examples of how this type of policy benefits real travelers:
🧳 Case 1: Emergency in Spain
A 67-year-old heart patient travels to Spain. While traveling, he experiences chest pain and requires emergency care. Because he has an annual policy with no screening requirement, his emergency transportation and treatment costs are covered without the need to provide proof of medical history.
🛫 Case 2: Trip Cancelled Due to Flu
A 72-year-old woman fell ill with flu symptoms two days before departure. Even though it wasn’t a severe condition, she couldn’t travel. Her policy included trip cancellation protection with no medical proof required—allowing her to recover costs without paperwork stress.
⛷️ Case 3: Winter Sports in France
A retired couple took a ski trip in France. One sprained an ankle and needed outpatient care. Their no-screening policy included 17 days of winter sports coverage, and they were reimbursed quickly, without health screening delays.
These real-life examples show that simple coverage can still be powerful, especially for travelers over 40 managing health risks.
FAQ
❓ Can I get travel insurance with a pre-existing condition?
Yes, many plans cover it if you meet their basic health criteria.
❓ What does "no medical screening" mean?
You don’t need to fill out health forms, but some exclusions still apply.
❓ Will my condition be covered?
If it's not excluded and meets the definition of "pre-defined travel", yes.
❓ Is there an age limit?
Once enrolled in the NHSRF plan, there's no upper age limit.
❓ What if my condition worsens before travel?
Trip cancellation may be covered if it fits policy conditions.
Conclusion
If you're over 40 and want to travel without the hassle of medical screening, NHSRF and similar providers offer the right solution.
These annual plans are simple, safe, and designed with your health and freedom in mind.
This article is for informational purposes only and does not replace professional advice. Always read policy documents carefully.