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Name: Damian Ronksley

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Fully inclusive travel insurance without all the unnecessary questions.

As a HIV positive gay man buying travel insurance is always a hassle, multiple questions about my health, then the inevitable loading on my premium, followed by the indignity of my status splashed across my insurance documents. This may have been necessary in the past, but not anymore with the advances in medical science and the treatment of HIV infection. Emerald Life are different, they don’t insist that you disclose your status to them, they don’t load your premium and there is no mention of HIV on your documents. This makes travelling to “less enlightened” countries so much easier, and keeps your status private. On top of that their policy is very competitive on price and fully inclusive of all the benefits you would expect. Reviewed on: 18th July 2019