I have a family holiday coming up, and needed Travel Insurance.
Also, my mobile phone insurance is soon due for renewal. So I was seriously considering upgrading to Monzo Premium to take advantage of those perks.
However, at the last minute I checked if the Monzo travel insurance includes cover for existing medical conditions - and sadly it doesn’t.
If it were included, I would have upgraded, no question.
So, maybe this is something Monzo can consider, to steal a march on it’s competitors. I will check again, maybe next year?
Barclays travel insurance covers it for the included price (£12.5 p/m includes breakdown cover) IF your condition falls on a list of qualifying conditions. If you have one it prompts you to call and they discuss it with you, all being well they give you a special code which lets you complete the flow to buy your insurance (renews monthly until cancelled- min terms apply, DYOR!). You can also get it with airport lounge passes and a concierge service for £18 p/m
I haven’t looked at the Monzo policy but they seem to be the exception in that they cover no existing medical conditions - which would make their cover useless for many.
I have just cancelled Monzo premium for the same reason, now have a minor illness and won’t be covered if something happens related to illness on holidays. I’m a bit disappointed as I like Monzo premium for phone insurance and metal card also, but I understand insurance cost would rise if existing medical conditions were included, so I’m happy to move on get another travel insurance policy and stick with Monzo plus.