Travel Insurance 4 Medical

Travel insurance for people with medical conditions

Travel Insurance 4 Medical is a trading name of Rothwell & Towler Ltd, a company based in Exeter (Devon, United Kingdom) that has been working in the travel insurance sector since 1973. Its activity focuses on providing cover for travellers with pre-existing medical conditions, a segment that often finds it difficult to take out conventional policies. The company states it has helped hundreds of thousands of people obtain cover tailored to their circumstances.

Travel insurance products

The insurer's catalogue includes several options designed for different types of trip and traveller profiles:

• Single trip travel insurance: cover for a one-off trip, aimed at travellers aged up to 79.
• Annual travel insurance: a policy covering multiple trips, with stays of up to 31 days per trip.
• Medical travel insurance: cover for hundreds of different medical conditions.
• Backpacker and longstay insurance: specialist cover for long-duration trips.
• Winter sports travel insurance: specific policies for skiing and snow activities.
• Cruise travel insurance: cover including missed ports, cabin confinement and other eventualities typical of this type of trip.

Policies in the Superior range have a 5 Star Rating awarded by Defaqto, according to the company's own information.

Specialisation in pre-existing medical conditions

The company presents itself as a specialist in travel insurance for people with medical conditions. Its screening system allows applicants to explain how their condition is managed, which facilitates risk assessment and the offer of prices more closely aligned with the reality of each case. The customer service team is trained in the nuances of the most common medical conditions.

Notable cover includes access to a 24/7 emergency medical assistance helpline and protection against the loss or theft of prescribed medication. The company also notes that, if the government has advised against travelling to a destination, it may still be able to consider offering a policy.

History and corporate structure

Rothwell & Towler Ltd was founded in 1973 as a small family business and, according to its own account, was influential in the creation of the first travel insurance policy for people living with HIV. The company remains headquartered in Exeter, where it has its own customer service team. The Travel Insurance 4 Medical brand operates under the trading name of Rothwell & Towler Ltd, with its registered office in London. The company is registered under number 08294942 and acts as an Appointed Representative of Crispin Speers & Partners Ltd, an entity authorised and regulated by the Financial Conduct Authority (FRN 311507).

Policy purchase and management process

Policies can be purchased online or by phone, and the company indicates that the process can take less than ten minutes. It also offers the option to retrieve a saved quote. For subsequent policy management, the website provides specific forms to request documentation, begin cancellation, change dates or destinations, and extend cover if the trip has already begun. Claims are handled directly by the insurer and its specialist team.

Customer service

Telephone support is provided from a UK call centre, open Monday to Friday from 09:00 to 17:00. The company emphasises that customers speak to people, not automated systems, and that the team has more than 30 years of experience in the sector.

Location and contact

Winslade House, Manor Drive, Clyst St. Mary, Exeter EX5 1FY · Telephone: 0345 90 80 121 · Email: info@travelinsurance4medical.co.uk · Hours: Monday to Friday from 09:00 to 17:00