{"id":161,"date":"2026-02-23T10:24:15","date_gmt":"2026-02-23T10:24:15","guid":{"rendered":"https:\/\/www.over80.co.uk\/news\/?p=161"},"modified":"2026-02-23T10:30:29","modified_gmt":"2026-02-23T10:30:29","slug":"moneyhelper-travel-insurance","status":"publish","type":"post","link":"https:\/\/www.over80.co.uk\/news\/moneyhelper-travel-insurance\/","title":{"rendered":"MoneyHelper Directory Travel Insurance"},"content":{"rendered":"<h2 data-path-to-node=\"4\">Finding Specialist Cover: The MoneyHelper &amp; BIBA Directory Guide<\/h2>\n<p data-path-to-node=\"5\">At Over 80, we believe that a medical diagnosis shouldn\u2019t stand in the way of seeing the world. However, we understand that for many living with cancer\u2014or those in remission\u2014the traditional insurance market can feel like a series of closed doors. If you have struggled to find an affordable quote, or have been refused cover entirely, there are official UK resources designed specifically to help you.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-162\" src=\"https:\/\/www.over80.co.uk\/news\/wp-content\/uploads\/2026\/02\/krabi-thailand.jpg\" alt=\"moneyhelper directory travel insurance\" width=\"320\" height=\"192\" srcset=\"https:\/\/www.over80.co.uk\/news\/wp-content\/uploads\/2026\/02\/krabi-thailand.jpg 320w, https:\/\/www.over80.co.uk\/news\/wp-content\/uploads\/2026\/02\/krabi-thailand-300x180.jpg 300w\" sizes=\"auto, (max-width: 320px) 100vw, 320px\" \/><\/p>\n<h3 data-path-to-node=\"6\">What is the &#8220;Medical Signposting&#8221; Rule?<\/h3>\n<p data-path-to-node=\"7\">In 2021, the <b data-path-to-node=\"7\" data-index-in-node=\"13\">Financial Conduct Authority (FCA)<\/b> introduced new rules to help consumers with serious pre-existing medical conditions (PEMCs). If an insurance provider cannot offer you cover, or if the additional premium for your medical condition is higher than a set threshold, they are required to direct you to a <b data-path-to-node=\"7\" data-index-in-node=\"314\">Specialist Medical Travel Insurance Directory<\/b>.<\/p>\n\n<p data-path-to-node=\"7\"><b data-path-to-node=\"7\" data-index-in-node=\"314\">Medical Travel Insurance Directory<\/b>.<\/p>\n<p data-path-to-node=\"8\">These directories are not just lists of names; they are vetted registries of specialist providers who have proven they can cover complex cases, including terminal prognoses and active chemotherapy.<\/p>\n<h3 data-path-to-node=\"9\">1. The MoneyHelper Travel Directory<\/h3>\n<p data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">MoneyHelper<\/b> is a free, impartial service backed by the UK Government. Their <b data-path-to-node=\"10\" data-index-in-node=\"76\">Medical Cover Firm Directory<\/b> is the gold standard for finding &#8220;high-risk&#8221; travel insurance.<\/p>\n<ul data-path-to-node=\"11\">\n<li>\n<p data-path-to-node=\"11,0,0\"><b data-path-to-node=\"11,0,0\" data-index-in-node=\"0\">Best for:<\/b> Patients who have been refused cover elsewhere or those facing extremely high premiums.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,1,0\"><b data-path-to-node=\"11,1,0\" data-index-in-node=\"0\">How it works:<\/b> You can search their database of specialist firms that offer &#8220;manual underwriting&#8221;\u2014where a human expert assesses your specific health situation rather than relying on a computer algorithm.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"11,2,0\"><b data-path-to-node=\"11,2,0\" data-index-in-node=\"0\">Contact:<\/b> You can access the directory online at <b data-path-to-node=\"11,2,0\" data-index-in-node=\"48\"><a class=\"ng-star-inserted\" href=\"https:\/\/www.moneyhelper.org.uk\" target=\"_blank\" rel=\"noopener\" data-hveid=\"0\" data-ved=\"0CAAQ_4QMahgKEwjxo7iclu-SAxUAAAAAHQAAAAAQ7wE\">moneyhelper.org.uk<\/a><\/b> or call their dedicated helpline at <b data-path-to-node=\"11,2,0\" data-index-in-node=\"103\">0800 138 7777<\/b>.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"12\">2. BIBA (British Insurance Brokers&#8217; Association)<\/h3>\n<p data-path-to-node=\"13\">If your medical history is particularly complex\u2014for example, if you are currently participating in a clinical trial\u2014you may benefit from a specialist broker. The <b data-path-to-node=\"13\" data-index-in-node=\"162\">BIBA Travel Medical Directory<\/b> connects you with brokers who can &#8220;shop the market&#8221; on your behalf.<\/p>\n<ul data-path-to-node=\"14\">\n<li>\n<p data-path-to-node=\"14,0,0\"><b data-path-to-node=\"14,0,0\" data-index-in-node=\"0\">Best for:<\/b> Rare cancer types or multi-condition cases where you need a tailored policy.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"14,1,0\"><b data-path-to-node=\"14,1,0\" data-index-in-node=\"0\">Contact:<\/b> Visit the <b data-path-to-node=\"14,1,0\" data-index-in-node=\"19\">BIBA Find Insurance Service<\/b> or call <b data-path-to-node=\"14,1,0\" data-index-in-node=\"55\">0370 950 1790<\/b> to speak with a specialist.<\/p>\n<\/li>\n<\/ul>\n<h3 data-path-to-node=\"15\">3 Essential Tips for Your Search<\/h3>\n<ul data-path-to-node=\"16\">\n<li>\n<p data-path-to-node=\"16,0,0\"><b data-path-to-node=\"16,0,0\" data-index-in-node=\"0\">Be Prepared for Medical Screening:<\/b> When contacting these specialists, have the exact name of your diagnosis, dates of your last treatment, and any upcoming surgery or scan dates ready.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"16,1,0\"><b data-path-to-node=\"16,1,0\" data-index-in-node=\"0\">Check the &#8220;Fit to Travel&#8221; Status:<\/b> Most specialist insurers will require your consultant or GP to confirm you are &#8220;fit to travel&#8221; before the policy becomes valid.<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"16,2,0\"><b data-path-to-node=\"16,2,0\" data-index-in-node=\"0\">Look for &#8220;Cancel for Any Reason&#8221; Add-ons:<\/b> When using specialist directories, ask if the policy covers cancellation due to a change in your medical condition, as this is a common concern for cancer patients<\/p>\n<\/li>\n<\/ul>\n<p>Finding specialized cover for serious illnesses doesn&#8217;t have to be a dead end, even if you have been <b data-path-to-node=\"0\" data-index-in-node=\"101\">refused travel insurance for cancer in the UK<\/b> by mainstream providers. If your current insurer is unable to offer a quote, they are legally required to signpost you to the <b data-path-to-node=\"0\" data-index-in-node=\"273\">FCA medical cover firm directory<\/b>, a curated list of providers who specialize in high-risk cases. For those seeking <b data-path-to-node=\"0\" data-index-in-node=\"388\">specialist travel insurance for chemotherapy patients<\/b> or more complex needs, the <b data-path-to-node=\"0\" data-index-in-node=\"469\">MoneyHelper travel insurance directory contact number<\/b> (0800 138 7777) is the best starting point for impartial, government-backed guidance. Even in difficult cases, such as finding <b data-path-to-node=\"0\" data-index-in-node=\"650\">travel insurance for cancer with a terminal prognosis in 2026<\/b>, these specialist brokers and insurers can often provide a tailored safety net, ensuring you can travel with peace of mind.<\/p>\n<p data-path-to-node=\"16,2,0\"><i data-path-to-node=\"17\" data-index-in-node=\"0\">Disclaimer: Over 80 provides this information as a guide to help you navigate the UK insurance market. We recommend always checking that any provider you choose is fully regulated by the FCA.<\/i><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Finding Specialist Cover: The MoneyHelper &amp; BIBA Directory Guide At Over 80, we believe that a medical diagnosis shouldn\u2019t stand in the way of seeing the world. However, we understand that for many living with cancer\u2014or those in remission\u2014the traditional insurance market can feel like a series of closed doors. If you have struggled to&hellip;&nbsp;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"off","neve_meta_content_width":70,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","footnotes":""},"categories":[1],"tags":[],"class_list":["post-161","post","type-post","status-publish","format-standard","hentry","category-insurance"],"_links":{"self":[{"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/posts\/161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/comments?post=161"}],"version-history":[{"count":3,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/posts\/161\/revisions"}],"predecessor-version":[{"id":165,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/posts\/161\/revisions\/165"}],"wp:attachment":[{"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/media?parent=161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/categories?post=161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.over80.co.uk\/news\/wp-json\/wp\/v2\/tags?post=161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}