BREXIT and the Clear2Go Policy

There are bound to be a number of questions from our customers about the result of the recent referendum and its likely impact on future travel insurance for those travelling within the EU.

In the longer term it may lead to increased premiums for Europe if the negotiated withdrawal does not include an agreement to adhere to the EHIC agreement. It is far too soon to say what will happen and as you will have seen from the Prime Minister's speech we will not see any changes for at least two years and probably longer.

Britain does not have to be an EU member to have reciprocal agreements. Switzerland and Norway are not EU members and yet British travellers to these countries enjoy the benefits of a reciprocal health agreement.

For the time being therefore it is still very much a question of ‘business as usual’.

MIA will always endeavour to keep both staff and clients abreast of developments. In the meantime, enjoy your holidays.

MIA Directors

MIA - Making Insurance Accessible

Given that the vast majority of MIA members have medical histories of varying degrees of severity, MIA provides travel insurance products to suit all. However, in order to maintain these schemes we must ensure that it works for everyone. Most especially this applies to the Clear2Go policy given the medical profile of people we insure under this cover.

Clear2Go is a specialist policy we have designed, which;

  • Has no age limit,
  • No specific terminal prognosis exclusion
  • No specific psychiatric, anxiety, depression etc. exclusion
  • No specific exclusions on secondary cancers etc.
  • Affordable premiums with no catches. We either cover or we don't. The premium stays the same irrespective of the number of illnesses or medications.
We even have a Medical cover only policy at a reduced cost that can be provided
to back up an existing policy you may have.

Screening is done by the Screening Team at MIA Online Ltd and only those who should not realistically be travelling, or people wanting to travel to destinations that we feel are not appropriate for their medical history or people travelling to destinations where their medical history and the country’s medical costs are too high a financial risk for Insurers, are declined.

We talk to you like human beings who happen to have an illness. We realise that people are different, diseases are different, disease affects people differently and people respond and react differently.

As such, we do not try to fit you into a box! We are more interested in you, how you are coping, how the illness is affecting you. So relax and don’t be afraid of who you may get on the phone, all our staff are lovely! Also, many of them have or have had illnesses themselves, or their close friends and families have.

They are not there to catch you out, they need to know everything so that they can advise you on location, method of transport, items to take with you, ensure that medical facilities are adequate at your chosen destination and most of all, to make sure you have the best possible time without worry.

There is no age limit, and trip durations can be extended for some destinations for up to six months. Sometimes we will decline cover for a specific country or resort especially if your medical history is severe.


A 10 yr old with a Brain Tumour and a 6 month terminal prognosis wanting to go to Disneyworld in Florida would undoubtedly be declined cover.

However, a 10 yr old with a Brain Tumour and a 6 month terminal prognosis wanting to go to Euro Disney would probably be covered if they are stable enough.

If we are unable to cover because of the destination, we will try our very best to assist you by suggesting alternative places. We will also be happy for you to call us to check a destination before booking.

At the end of the day, you want to be able to relax and enjoy yourself while you are away. For some people, they will have been saving very hard for this break, for others, fund raisers have worked hard to pay for it. Sadly for others it will probably be the last trip that they will make. As such, we don’t want you to have problems especially if you become ill abroad. We want those memories for everyone to be good ones.

Of course the other reason is that we must try very hard to protect this scheme, so it remains available to everyone and we want to be able to carry on keeping our prices as low as we can.

Clear2Go is the MIA flagship policy. Designed especially for those who are having trouble obtaining travel insurance due to their medical history. It is still the market leader in terms of value for money.

There are two primary 'terms and conditions'.

Firstly clients cannot purchase this policy more than two months before they travel. This enables us to keep the scheme affordable for the insurers. MIA can provide a reference for travel agents if they are insisting on knowing that you will be insured when you travel.

Secondly you will need a note on your records from a GP or Consultant stating that in their opinion you are fit to travel & endure the planned trip. Again, this is to afford a degree of comfort to our insurers.

For those travelling with spouses or partners it is imortant that you read the information below regarding their insurance, There is no hard sell at MIA, our aim is to keep you informed!

For a quote please call us on 0800 999 3333 or

+44 (0) 1449 710040 from outside the UK.

Please note that if you fail to declare all of your medical history including medication taken, awaited consultations or investigations or current symptoms, any claim that you make, may be declined.

Premium Costs

Additional Cover

Important Terms & Conditions

Documents available to read and download:

Read More by downloading this PDF documentClear2Go policy Read More by downloading this PDF documentDestinations & their suitability for you and your circumstances Read More by downloading this PDF documentTravel Companions
Download Adobe Reader You need to have Adobe Reader to view PDF files, you can download it here.
request callback Clear 4 Take-Off Designed for people with no pre-existing illnesses,
minor illnesses, or those that are now under control Click here for more information
Clear2Go Designed specifically for people with more
serious pre-existing illnesses Click here for more information

Everything you ever wanted to know about Travel Insurance Eileen Dalrymple-White a Director of MIA Online Ltd has written a book entitled
“Everything you ever wanted to know about Travel Insurance”

At £9.99, this book is an interesting read for anyone. It contains invaluable advice not only in respect of Travel Insurance but on travelling, especially for those with pre-existing illnesses. It also makes a perfect gift for those who have everything or are hard to buy for! Click below to read more;

Click here for more information

Thank you very much for your assistance. He is already planning another cruise so will be in touch for the insurance for that trip once arranged.

I must say I am impressed with the service you offer and can now keep dads medication updated on his record online.

Moira Anderson by Email