Insurance provider Emerald Life has launched a travel insurance policy with no requirement to answer questions on HIV status if the customer is on stable anti-viral medicine and their viral load is undetectable. Emerald offers a choice of three levels of cover:
* Core. This includes cancellation and curtailment up to £3K and baggage and possessions up to £1.5K. Emergency treatment is covered up to £5m.
* Premier. 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 and has optional cruise cover too.
Cover and exclusions are fairly standard for this type of cover.
What They Say
Chairman Steve Wardlaw said: “People living with HIV can suffer high levels of alienation that can stop them from taking basic precautions like travel insurance when they go abroad. Everyone should be able to insure themselves with a respectful customer journey, without fear of stigma or discrimination.”
What We Say"Ian Green, chief executive of the Terrence Higgins Trust, says people who are living with HIV and are on effective medication can expect to live lives that are as long and healthy as anyone else. He argues there is no need for someone with an undetectable viral load to disclose their status when taking out travel insurance.
"However, many life and general insurers are still nervous of people with HIV and advisers can find it difficult to place many types of insurance cover for those with HIV. Although travel insurance is not a mainstream product for most advisers, policies such as this can help them help their clients and that, in turn, can lead to other opportunities.
"Travel insurance is in some ways health insurance while abroad, not just to cover non-health issues such as travel and baggage.
"One small issue – Emerald Life sounds like a life insurance company but markets general insurance products. That could confuse a few people."