Able2travel.com Reviews

Based on looking at the website, Able2Travel.com appears to be a specialized travel insurance provider focusing primarily on individuals with pre-existing medical conditions and senior travelers. They emphasize covering a wide range of medical conditions and offering policies that cater to specific needs, aiming to provide peace of mind for those who might struggle to find suitable coverage elsewhere. While the site presents a seemingly straightforward solution for travel insurance, it’s crucial to understand the nature of conventional insurance itself. In Islamic financial principles, traditional insurance often involves elements of riba interest, gharar excessive uncertainty, and maysir gambling, which are generally considered impermissible. This doesn’t mean travel protection is forbidden, but rather the method of obtaining it through conventional insurance models. It’s always beneficial to seek out alternatives that align with ethical financial practices, such as cooperative or Takaful models, which operate on principles of mutual assistance and shared responsibility, without the problematic elements of conventional insurance.

Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Able2Travel.com Review & First Look

Upon initial review, Able2Travel.com presents itself as a dedicated platform for travel insurance, specifically targeting demographics often overlooked by standard providers.

0.0 0.0 out of 5 stars (based on 0 reviews) Excellent0% Very good0% Average0% Poor0% Terrible0% There are no reviews yet. Be the first one to write one. Your review Your overall rating Select a Rating5 Stars4 Stars3 Stars2 Stars1 Star Title of your review Your review Your name Your email This review is based on my own experience and is my genuine opinion. ​ Submit Review

Amazon.com: Check Amazon for Able2travel.com Reviews Latest Discussions & Reviews:

The website’s interface is clean and seemingly user-friendly, with clear navigation options for “Get A Quote,” “Make A Claim,” and “Policy Documents.” This immediately signals a focus on core insurance processes.

They highlight their specialization in “1,000s of Medical Conditions Covered” and “No Age Limit on Single Trip Policies,” which are significant selling points for their target audience.

The site is well-structured, allowing visitors to easily find information on various policy types, including:

• Single Trip Travel Insurance
• Annual Multi-Trip Travel Insurance
• Pre-existing Medical Condition Travel Insurance
• Senior Travel Insurance

They also break down coverage by specific conditions like Cancer Travel Insurance, Diabetes Travel Insurance, and Heart Condition Travel Insurance, providing a tailored approach. The emphasis on over 20 years of expertise and “award-winning policies” aims to build trust with potential customers. Watsonfuels.co.uk Reviews

Able2Travel.com Cons

While Able2Travel.com targets a specific niche, it’s essential to critically examine its offerings, particularly from an ethical and financial standpoint.

As mentioned, conventional insurance, including travel insurance, often contains elements that are problematic in Islamic finance.

This isn’t about their service quality, but the underlying financial structure.

The Nature of Conventional Insurance

• Riba Interest: Traditional insurance models often involve investments of premiums into interest-bearing assets or interest-based lending, which is riba. This is a fundamental concern for those adhering to Islamic financial principles.
• Gharar Excessive Uncertainty: While all insurance deals with future uncertainties, conventional policies can have elements of excessive gharar where the exact timing or amount of payout is highly speculative or ambiguous, leading to potential disputes.
• Maysir Gambling: The act of paying a premium with the hope of a large payout in the event of a loss, where the insurer profits if no loss occurs, can resemble a form of gambling, which is also prohibited.

Lack of Takaful Islamic Insurance Option

A significant drawback for a Muslim consumer reviewing Able2Travel.com is the apparent absence of a Takaful option. Takaful is an Islamic alternative to conventional insurance, built on principles of mutual cooperation and donation. Participants contribute to a fund, and claims are paid from this fund. Any surplus is often shared among participants or used for charitable purposes. The lack of such an option means that even if Able2Travel.com offers competitive rates and good coverage, its underlying financial mechanism may not align with Islamic guidelines.

Limited Transparency on Investment Practices

The website does not provide specific details on how premiums are invested. Domoir.com Reviews

In conventional insurance, these funds are often invested in ways that may not be Sharia-compliant, such as in industries involved in alcohol, gambling, or interest-based finance.

For a consumer seeking ethical financial products, this lack of transparency is a notable con.

Able2Travel.com Alternatives

Given the concerns surrounding conventional insurance models, seeking Sharia-compliant alternatives for travel protection is highly recommended.

The good news is that the Islamic finance industry has grown significantly, offering viable alternatives that adhere to ethical principles.

Takaful Providers

• Cooperative Models: The most direct alternative to conventional insurance is Takaful. Many Takaful companies operate globally, offering various types of coverage, including travel Takaful. These models are based on mutual assistance, where participants contribute to a common fund, and money is paid out to those who suffer losses from this fund.
• Ethical Investment: Takaful funds are managed and invested according to Sharia principles, avoiding interest-bearing instruments and prohibited industries. This ensures that the entire process, from contribution to payout, remains ethically sound.
• Resource for Finding Takaful: Websites like the Islamic Finance Gateway or specific national Islamic finance directories can help locate reputable Takaful providers. For example, in the UK, there are Takaful providers like Salam Halal Travel Insurance, which specifically state their adherence to Sharia principles. While Able2Travel.com is a UK-based provider, it does not mention any Sharia-compliant options.

Self-Insurance and Prudent Planning

• Emergency Fund: For smaller risks or shorter trips, a highly practical and Sharia-compliant approach is to build a dedicated emergency fund. By consistently saving a portion of income, individuals can self-insure against unexpected travel disruptions or minor medical emergencies. This promotes financial discipline and reliance on personal resources rather than a contractual agreement with uncertain elements.
• Comprehensive Trip Planning: Diligent research and planning can mitigate many travel risks. This includes understanding destination-specific health risks, securing necessary vaccinations, and having a clear understanding of local emergency services.
• Mutual Aid Networks: In some communities, informal mutual aid networks exist where individuals contribute to a common pool to assist members facing unexpected financial hardship. While not a formal insurance product, this embodies the spirit of cooperation.

Direct Booking with Flexible Policies

• Airlines/Hotels with Flexible Cancellation: When booking travel, prioritize airlines and hotels that offer flexible cancellation or rebooking policies. This can reduce the financial risk associated with unforeseen changes without relying on a third-party insurance contract.
• Credit Card Travel Benefits with caution: Some credit cards offer basic travel protection, such as trip cancellation or baggage loss insurance. However, it’s crucial to exercise extreme caution and understand the underlying terms, as many credit cards operate on interest-based models riba. If the card itself is interest-bearing, utilizing its “benefits” would indirectly involve riba, making it impermissible. A better alternative is to avoid interest-bearing credit cards entirely and opt for debit cards or Sharia-compliant financial products.

Able2Travel.com Pricing

Based on the Able2Travel.com website, specific pricing isn’t publicly displayed in a fixed table. Instead, they operate on a quote-based system. This is standard for most travel insurance providers, especially those dealing with pre-existing medical conditions, as pricing is highly individualized. North-89.com Reviews

Factors Influencing Able2Travel.com Pricing:

The website explicitly states that the cost of travel insurance varies significantly based on several key factors:

1. Level of Cover Chosen: Able2Travel offers three levels of cover: Silver, Gold, and Platinum. As expected, higher levels of cover with more comprehensive benefits will result in higher premiums. For example, Platinum policies will offer greater emergency medical expenses or cancellation protection compared to Silver.
2. Age of the Traveler: This is a major determinant, especially for senior travel insurance. The website highlights coverage for “Over 50s,” “Over 60s,” up to “Over 90s Travel Insurance.” Generally, the older the traveler, the higher the premium, reflecting increased health risks.
3. Pre-existing Medical Condition: This is Able2Travel’s core specialization. The nature, severity, and number of pre-existing conditions e.g., cancer, diabetes, heart conditions will significantly impact the premium. The more complex the medical profile, the higher the cost to cover potential emergencies.
4. Holiday Duration: Longer trips inherently carry more risk and thus command higher premiums. The site mentions maximum trip durations ranging from 23 days for those 86+ to 365 days for those 65 and under for single trips.
5. Destination: Travel risk varies by destination. The website outlines five “Areas” for territorial limits, from Area 1 UK only to Area 5 Worldwide. Travel to high-cost medical regions like the USA, Canada, or the Caribbean Area 5 will be considerably more expensive due to higher potential medical expenses.
6. Additional Policy Options: Opting for add-ons like Winter Sports Activity Pack 5 or Optional Cruise Cover will increase the overall premium.

How to Get a Quote:

The website streamlines the quote process:

• Click the “Get A Quote” button.
• Select the policy type Single Trip, Annual Multi-Trip, etc..
• Input personal details, destination, duration, and declare any medical conditions.
• The system then provides an instant online quote, or directs users to call their UK-based team for more complex cases.

Practical Implications of Quote-Based Pricing:

For the consumer, this means no upfront fixed prices. To truly understand the cost, one must go through the quote process, which requires disclosing personal health information. While this is necessary for accurate underwriting, it means price comparison is not as simple as checking a table. Users need to invest time to get specific figures.

How to Make a Claim with Able2Travel.com

Making a claim with any insurance provider requires adherence to specific procedures to ensure a smooth and successful process.

Based on the Able2Travel.com website, while direct links to “Make A Claim” are prominent, the detailed step-by-step process is not explicitly laid out on the homepage. Spicandspan.se Reviews

Typically, this information is found within their policy documents or a dedicated claims section.

General Steps for Making a Travel Insurance Claim Likely Applicable to Able2Travel.com:

1. Notify the Insurer Promptly: The first and most crucial step is to inform Able2Travel.com as soon as possible after the incident occurs. This is usually specified within the policy wording, often within a certain number of days e.g., 28 or 31 days of the incident or your return home.

   • Contact Information: The website prominently displays their UK team’s phone number: +44 01483 806 826 Mon-Fri 9.00am – 5.30pm. This would be the primary contact for initial notification or urgent medical assistance while abroad.
   • Online Claim Forms: Many modern insurers also offer online claim forms, which would likely be accessible through their “Make A Claim” portal after logging into an account.

2. Gather Necessary Documentation: This is where the real work comes in. For any claim, comprehensive documentation is vital. The type of documents needed will depend on the nature of the claim:

   • Medical Emergency:
     • Medical Reports: All doctors’ notes, hospital records, diagnoses, and treatment summaries.
     • Prescriptions: Receipts for medicines purchased.
     • Payment Receipts: Original receipts for all medical expenses, consultations, and emergency transportation.
     • Police Reports: If an injury resulted from an accident or crime.
   • Trip Cancellation/Curtailment:
     • Original Booking Confirmations: Flights, hotels, tours.
     • Reason for Cancellation: Medical certificates if illness-related, death certificates if bereavement-related, official notices e.g., jury duty, redundancy letters.
     • Cancellation Invoices: Documentation from airlines, hotels, or tour operators showing non-refundable amounts.
   • Baggage Loss/Damage:
     • Property Irregularity Report PIR: Issued by the airline if baggage is lost or delayed.
     • Police Report: If items were stolen.
     • Proof of Purchase: Original receipts for lost or damaged items, or bank statements showing purchases.
     • Photos: If items were damaged.
   • Travel Delay:
     • Proof of Delay: Letters from the airline/operator confirming the delay and its duration.
     • Receipts: For additional expenses incurred due to the delay e.g., meals, accommodation.

3. Complete the Claim Form: Once all documentation is gathered, complete the official claim form provided by Able2Travel.com. Be thorough and accurate, providing all requested details.

4. Submit the Claim: Send the completed form and all supporting documents to Able2Travel.com, typically via post or their online portal. It’s advisable to keep copies of everything submitted for your records. Africaskysafari.com Reviews

5. Follow Up: After submission, stay in contact with Able2Travel.com for updates on your claim’s status. They may require additional information or clarification.

Important Considerations for Claims:

• Policy Wording: Always read the full policy wording Policy Documents before and after purchasing. This document contains the exact terms, conditions, exclusions, and claims procedures. It’s your ultimate guide.
• Excess: Be aware of the “excess” deductible on your policy, which is the amount you pay towards a claim before the insurer pays the rest.
• Time Limits: Adhere strictly to any time limits for notification and submission of claims. Missing these deadlines can lead to a claim being denied.
• Emergency Contact Abroad: Able2Travel.com likely has an emergency assistance number for use when overseas, for immediate medical or travel crises. This number would be distinct from the general claims line and should be carried with you.

While Able2Travel.com aims to make the process accessible, the responsibility lies with the policyholder to provide clear, documented evidence for any claim.

How to Cancel Able2Travel.com Policy

Cancelling a travel insurance policy, whether during a free look period or later, involves specific steps.

While Able2Travel.com’s website doesn’t explicitly detail the cancellation process on its homepage, general insurance practices and common law dictate certain rights and procedures.

Cancelling During the “Cooling-Off” Period:

Most insurance policies, especially in the UK where Able2Travel.com is based, come with a “cooling-off” period. This is a statutory right allowing customers to review their policy and cancel it if it doesn’t meet their needs or if they simply change their mind, usually within 14 days of purchasing the policy or receiving the policy documents, whichever is later. Sydfisk.se Reviews

1. Notification: To cancel during this period, you must inform Able2Travel.com directly and clearly.

   • Contact Method: The best approach would be to call their UK team at +44 01483 806 826 during business hours Mon-Fri 9.00am – 5.30pm and follow up with an email or written correspondence for a clear record.
   • Documentation: State your policy number, name, and clearly express your intention to cancel within the cooling-off period.

2. Refund: If you cancel within the cooling-off period and have not made a claim or travelled, you should be entitled to a full refund of the premium paid.

Cancelling After the Cooling-Off Period:

Cancelling after the initial 14-day period is generally possible, but the refund amount will depend on whether you have travelled or made a claim, and the specific terms outlined in your policy wording.

1. Review Policy Documents: Before attempting to cancel, carefully read the “Cancellation” clause within your Able2Travel.com policy documents. This section will outline:

   • Whether cancellation is possible after the cooling-off period.
   • Any administrative fees that may apply.
   • The basis for any partial refund e.g., pro-rata refund for unused time, minus an administrative fee.
   • Conditions where no refund is given e.g., if you’ve already travelled or made a claim.

2. Contact Able2Travel.com: As with the cooling-off period, contact their customer service via phone and follow up with a written cancellation request. Blublox.com Reviews

   • Provide your policy details and the reason for cancellation though the reason may not affect the refund amount after the cooling-off period.

3. Partial Refund if applicable: If eligible, Able2Travel.com will process a partial refund based on their policy terms. This refund will typically be calculated on a pro-rata basis for the remaining unused period of cover, often with an administrative charge deducted. If a claim has been made or travel has commenced, it’s highly unlikely any refund will be issued.

Important Notes:

• Written Confirmation: Always request written confirmation of your cancellation from Able2Travel.com for your records.
• Direct Debit/Standing Order: If you paid via direct debit or standing order, ensure these are cancelled after you receive confirmation from Able2Travel.com that your policy is cancelled and any applicable refund has been processed. Do not cancel these prematurely without insurer confirmation, as this can lead to administrative issues.
• Purpose of Cancellation: If you are cancelling because you no longer need travel insurance, consider the alternatives mentioned earlier, such as self-insurance or Takaful options, for future travel.

The key to a smooth cancellation process is to understand your policy’s specific terms and communicate effectively with the provider.

Able2Travel.com vs. Mainstream Travel Insurers

When comparing Able2Travel.com to mainstream travel insurers, the most striking difference lies in its specialization. While general providers aim for broad appeal, Able2Travel.com has carved out a niche focusing on travellers with pre-existing medical conditions and seniors. This specialization brings both distinct advantages and inherent limitations.

Able2Travel.com’s Core Strengths:

• Coverage for Pre-existing Conditions: This is Able2Travel.com’s primary differentiator. Mainstream insurers often have stringent exclusions or significantly higher premiums for pre-existing conditions, or they may simply refuse to cover them. Able2Travel.com prides itself on covering “1,000s of Medical Conditions,” including complex ones like cancer, diabetes, and heart conditions. This makes travel accessible for a demographic often left behind.
  • Data Point: According to a 2019 report by the Financial Conduct Authority FCA in the UK, approximately 1 in 4 consumers found it difficult to access travel insurance due to pre-existing medical conditions. Able2Travel directly addresses this gap.
• Senior Traveler Focus: The site offers specific policies for various age groups, from “Over 50s” up to “Over 90s Travel Insurance.” Many mainstream policies have age limits e.g., 75 or 80, making Able2Travel.com a vital option for older individuals.
  • Statistic: The UK population aged 65 and over is projected to increase by more than 50% in the next 25 years, underscoring the growing demand for senior-friendly insurance.
• Higher Medical Expenses Coverage: They advertise “Emergency Medical Expenses – up to £10 million per person,” which is a robust amount, crucial for individuals with existing health concerns who might incur significant costs abroad.
• Tailored Approach: The detailed breakdown of conditions e.g., Asthma, COPD, Epilepsy Travel Insurance suggests a more nuanced understanding of these specific needs compared to a general “medical declaration” tick-box.

Limitations Compared to Mainstream Insurers:

• Potential for Higher Premiums for healthy, younger travelers: While competitive for their niche, a healthy, younger traveler with no pre-existing conditions might find more affordable options with broader mainstream providers who don’t carry the higher risk associated with Able2Travel’s core demographic.
• Less “Standard” Coverage potentially: While they offer standard benefits like cancellation and baggage cover, their primary focus means some mainstream insurers might offer a wider array of “bells and whistles” that are less critical for Able2Travel’s audience e.g., extreme sports cover, less common activity packs.
• Market Share & Brand Recognition: Mainstream insurers often have larger marketing budgets and wider public recognition, making them a default choice for many. Able2Travel.com relies more on direct searches for specialized needs.
• No Sharia-Compliant Option: As discussed, Able2Travel.com operates on a conventional insurance model. Mainstream insurers also typically follow this model. For Muslim consumers, this means neither Able2Travel.com nor most mainstream providers offer a Takaful Sharia-compliant alternative.

Summary:

Able2Travel.com is a specialist that excels in serving a critical, underserved segment of the travel insurance market. For those with pre-existing medical conditions or senior travelers, it likely provides access to coverage that would be difficult or impossible to obtain elsewhere. However, for the general traveler, or critically, for the Muslim consumer seeking Sharia-compliant options, mainstream insurers and Able2Travel.com share the same fundamental ethical concerns regarding their underlying financial structure. The choice then shifts from which conventional insurer to whether to use conventional insurance at all.

How to Get a Quote from Able2Travel.com

Getting a quote from Able2Travel.com is designed to be a straightforward process, primarily leveraging their online platform or a direct phone line. Royalmailgroup.com Reviews

This is standard practice for insurance providers, especially those specializing in tailored policies for specific demographics like seniors or individuals with pre-existing medical conditions.

Online Quote Process:

The Able2Travel.com website prominently features “Get A Quote” buttons throughout its pages, indicating that the online quote system is their preferred channel for initial inquiries. The process typically involves:

1. Navigating to the Quote Page: Clicking any “Get A Quote” button will direct you to their online quotation system.
2. Selecting Policy Type: You’ll first need to choose the type of policy you require:
   • Single Trip Travel Insurance: For one-off holidays.
   • Annual Multi-Trip Travel Insurance: For multiple journeys within a year.
3. Providing Travel Details:
   • Destination: You’ll need to specify your travel destination, choosing from their defined “Areas” Area 1: UK, Area 2: Europe, Area 3: Europe + Turkey, Area 4: Worldwide excluding USA/Canada/Caribbean/Mexico, Area 5: Worldwide. This choice significantly impacts the premium.
   • Travel Dates: The departure and return dates for single trips, or the desired start date for an annual policy.
   • Number of Travelers: How many people will be covered on the policy.
4. Personal Details:
   • Age of Travelers: As Able2Travel specializes in senior travel, age is a critical factor in their underwriting.
   • Residency: Confirmation of UK residency is usually required.
5. Medical Declaration: This is the most crucial part for Able2Travel’s target audience. You will be asked to declare any pre-existing medical conditions for all travelers being covered. This might involve:
   • A series of questions about your medical history, recent treatments, surgeries, and medications.
   • Specific questions related to conditions like cancer, diabetes, heart conditions, etc.
   • It is imperative to be completely honest and thorough in declaring all conditions, as failure to do so can invalidate your policy later, leading to claims being denied. Able2Travel explicitly states: “If you don’t declare your pre-existing medical conditions, it can make your travel insurance policy invalid when you need to make a claim.”
6. Reviewing Options & Receiving Quote: Based on the information provided, the system will typically present various cover levels Silver, Gold, Platinum with their corresponding premiums. You can then compare features and prices.
7. Optional Add-ons: You may be offered options for additional coverage like winter sports, cruise cover, or extended trip durations, which will adjust the price.

Phone Quote Process:

For those who prefer speaking to someone or have complex medical histories that are difficult to articulate online, Able2Travel.com offers a dedicated phone service:

• UK Team: You can call their UK team at +44 01483 806 826.
• Operating Hours: Monday to Friday, 9:00 AM – 5:30 PM.
• Specialist Advice: Their team includes “trained specialists” who can assist with complex medical conditions or unique travel requirements, guiding you through the assessment process over the phone.

Important Considerations:

• Accuracy: Always ensure all information provided is accurate and up-to-date. Inaccurate information can lead to policy invalidation.
• Policy Wording Review: Once you receive a quote and before purchasing, always download and read the full policy wording Product Disclosure Statement. This document contains all the terms, conditions, exclusions, and limits of the cover. This is where you find the fine print regarding what is and isn’t covered.
• No Obligation: Getting a quote is generally free and carries no obligation to purchase. This allows you to compare Able2Travel’s offerings with any other alternatives you might consider.

While the process is designed for ease of use, the critical component for Able2Travel.com’s specialized service lies in the detailed medical declaration, which directly influences the policy’s validity and cost.

Customer Support and Accessibility for Able2Travel.com

Based on the information available on their website, Able2Travel.com appears to prioritize clear channels for customer support and accessibility, which is particularly important given their focus on senior travelers and individuals with medical conditions who might require more direct assistance. Prisna.net Reviews

Key Aspects of Customer Support:

1. Dedicated UK Call Centre:

   • Direct Phone Line: The most prominent feature is their dedicated UK team contact number: +44 01483 806 826. This direct line for inquiries, quotes, and potentially claims support signals a commitment to human interaction.
   • Operating Hours: The stated hours are Monday to Friday, 9:00 AM to 5:30 PM. This is standard for many businesses but means support is unavailable during evenings, weekends, or UK public holidays.
   • Trained Specialists: The website mentions “trained specialists” are available to speak with, especially for complex medical conditions or questions about coverage while on a waiting list for treatment. This suggests a knowledgeable team capable of handling nuanced inquiries.

2. Online Resources:

   • FAQs Section: Able2Travel.com has a comprehensive Frequently Asked Questions FAQs section. This is a crucial self-help resource for common queries regarding policy costs, territorial areas, cover levels, and declaring pre-existing conditions. A robust FAQ section can significantly reduce the need for direct contact for routine questions.
   • Policy Documents: A clear link to “Policy Documents” is available. This allows customers to download and review the full terms and conditions of their chosen policy, which is essential for understanding coverage and exclusions.
   • “Contact Us” Page: While not explicitly detailed on the homepage, a “Contact Us” link is present, which typically leads to an inquiry form or lists additional contact methods like email addresses for non-urgent queries.

3. Making a Claim:

   • A dedicated “Make A Claim” link is visible, suggesting a clear pathway for initiating claims. While the full process isn’t outlined on the homepage, the presence of this link indicates a structured claims department.

4. Accessibility for Specific Needs:

   • Their specialization in pre-existing conditions and senior travelers implies an understanding of the unique communication needs of these groups. A phone-first approach caters well to those who may prefer speaking directly rather than navigating complex online forms.
   • The website’s clear layout and simple language also contribute to overall accessibility.

Potential Areas for Enhancement General Observations:

• 24/7 Emergency Assistance: While they have UK call centre hours, for travel insurance, a 24/7 emergency assistance line for medical emergencies while abroad is usually a separate, critical service. The homepage does not explicitly highlight this distinct emergency line, though it’s typically part of any robust travel insurance policy. It’s crucial for travelers, particularly those with conditions, to know exactly who to call in an urgent situation outside of UK business hours.
• Live Chat/Online Messaging: The absence of a visible live chat feature might be a missed opportunity for instant queries, especially for a younger demographic or those who prefer text-based communication.
• Customer Reviews Integration: While they mention “tens of thousands of satisfied customers,” direct links to or embedded independent customer reviews e.g., Trustpilot scores prominently displayed could further enhance trust and transparency.

Overall, Able2Travel.com appears to provide strong foundational customer support, particularly through its accessible UK-based phone line and comprehensive online FAQs. Ustoreit.ie Reviews

For its target audience, this direct human connection is often paramount.

Frequently Asked Questions

What is Able2Travel.com?

Able2Travel.com is a specialized travel insurance provider based in the UK, focusing on offering policies to individuals with pre-existing medical conditions and senior travelers who may find it difficult to obtain cover from mainstream insurers.

Does Able2Travel.com cover all pre-existing medical conditions?

Able2Travel.com states it covers “1,000s of medical conditions,” including common ones like cancer, diabetes, heart conditions, and asthma.

However, specific coverage depends on the nature and severity of the condition, and a full medical declaration is required during the quote process for accurate assessment.

Is there an age limit for Able2Travel.com policies?

For Single Trip policies in certain territorial areas Areas 1, 2, 3 & 4, Able2Travel.com advertises “No Age Limit.” For other areas or Annual Multi-Trip policies, age limits may apply e.g., up to 79 for annual policies. Always check the specific policy terms for your trip and age. Aifusionart.com Reviews

How do I get a quote from Able2Travel.com?

You can get a quote by clicking the “Get A Quote” button on their website and filling in your travel details and medical information, or by calling their UK team at +44 01483 806 826 during business hours.

What information do I need to provide for a quote?

You’ll need to provide your age, travel dates, destination, number of travelers, and a full declaration of any pre-existing medical conditions for all insured individuals.

Why is it important to declare pre-existing medical conditions to Able2Travel.com?

Yes, it is crucial.

Failing to declare all pre-existing medical conditions can invalidate your travel insurance policy, meaning any claims related to those conditions or potentially any claim could be denied.

What types of travel insurance policies does Able2Travel.com offer?

Able2Travel.com offers Single Trip Travel Insurance, Annual Multi-Trip Travel Insurance, Pre-existing Medical Condition Travel Insurance, and Senior Travel Insurance. Stockchase.com Reviews

What are the different levels of cover offered by Able2Travel.com?

Able2Travel.com offers three levels of cover: Silver, Gold, and Platinum, for both Single Trip and Annual Multi-Trip policies.

Each level provides varying degrees of benefits and coverage limits.

Does Able2Travel.com offer cruise cover?

Yes, Able2Travel.com offers Optional Cruise Cover, which can be added to your policy, and includes features like missed port of call protection.

How much does Able2Travel.com travel insurance cost?

The cost varies significantly based on your age, pre-existing medical conditions, holiday duration, destination, chosen level of cover, and any additional policy options.

You must get a personalized quote to determine the exact cost. Emcd.io Reviews

Can I get Able2Travel.com insurance if I am on a waiting list for treatment?

Most likely yes.

Able2Travel.com states they can potentially find cover for travelers on a waiting list for treatment or surgery for a diagnosed medical condition, even for cancellation due to treatment date changes. You should call their specialist team for this.

How do I make a claim with Able2Travel.com?

You should notify Able2Travel.com as soon as possible, gather all necessary documentation medical reports, receipts, police reports, etc., complete their claim form, and submit it with supporting evidence.

What is the emergency medical expenses coverage with Able2Travel.com?

Able2Travel.com offers Emergency Medical Expenses cover up to £10 million per person, depending on the chosen level of policy.

Does Able2Travel.com provide trip cancellation protection?

Yes, Able2Travel.com offers Trip Cancellation Protection, with coverage up to £5,000 per person, depending on the policy level. Bestpricetravel.com Reviews

How long has Able2Travel.com been in business?

Able2Travel.com states they have over 20 years of expertise in providing travel insurance, especially for senior travelers and those with pre-existing medical conditions.

Can family members travel separately on an Annual Multi-Trip policy?

For Annual Multi-Trip policies, family members can travel separately if named on the policy certificate, usually available with higher levels of cover like Platinum.

Does Able2Travel.com cover business travel?

Yes, Business Travel is included in their Annual Multi-Trip policies for all Silver, Gold, and Platinum cover levels.

What are the territorial limits for Able2Travel.com policies?

Able2Travel.com categorizes destinations into five areas: Area 1 UK, Area 2 Europe, Area 3 Europe + Turkey, Area 4 Worldwide excluding USA/Canada/Caribbean/Mexico, and Area 5 Worldwide. Your premium will depend on the area chosen.

How do I cancel my Able2Travel.com policy?

You can typically cancel your policy within a 14-day “cooling-off” period for a full refund if no claim or travel has occurred by contacting them. Solarajobs.com Reviews

After this period, cancellations are subject to their policy terms, which may involve administrative fees or partial refunds.

Where can I find the full terms and conditions of Able2Travel.com policies?

The full terms and conditions are available in the “Policy Documents” section of the Able2Travel.com website.

It is highly recommended to read these documents thoroughly before purchasing any policy.