The UK’s travel insurance industry is entering a new chapter with the arrival of Protectif, an innovative medical screening tool that promises to make travel cover more personalized, inclusive, and affordable. Designed to provide a fairer assessment of health risks, Protectif evaluates not just medical conditions but also how individuals actively manage their health. This groundbreaking approach is reshaping the market, particularly for people with complex or pre-existing conditions who have long faced barriers to affordable travel insurance.
With many travelers seeking post-pandemic adventures, the demand for accessible insurance has never been greater. Protectif’s entry offers a timely solution, ensuring that no one is unfairly excluded from exploring the world due to outdated medical screening practices.
Challenging Industry Dominance
Until now, the UK’s travel insurance sector has been dominated by Verisk, which handles approximately 80% of medical screenings. Protectif offers a credible and competitive alternative. Already adopted by trusted brands like Insurancewith and Holidaysafe, the tool has demonstrated its ability to create more accurate and transparent risk assessments, reducing both customer stress and insurer uncertainty.
Unlike conventional tools that focus narrowly on diagnosed conditions, Protectif begins by asking about medications and treatments. This subtle yet powerful shift reduces under-declaration and delivers a fuller picture of a customer’s health. By recognizing the proactive steps people take to manage their wellbeing, the system avoids unfair penalties and creates more relevant, tailored policies.
Proven Results with Measurable Impact
Protectif’s methodology is not new. First developed in 2006, it has been refined through years of research and real-world application. Internal benchmarks have shown that the tool can improve loss ratios by up to 20% and reduce significant claims-related losses by as much as 50%.
For insurers, this means greater efficiency, better pricing accuracy, and reduced exposure to risk. For customers, it translates into lower premiums, fairer terms, and wider access to coverage.
This approach is especially critical for travelers with long-term conditions such as cancer, diabetes, or cardiovascular disease. Where traditional screenings often flagged such individuals as “high risk,” Protectif evaluates how their conditions are managed—whether through consistent medication, medical supervision, or lifestyle choices—providing a more balanced and just assessment.
Inclusivity and Accessibility at the Core
One of Protectif’s most important contributions is its role in making travel insurance inclusive. Many people with pre-existing conditions have historically been priced out of cover or rejected altogether. Protectif offers a way forward by tailoring policies to reflect real-world health management rather than rigid risk categories.
The tool is continuously updated with insights from medical professionals, researchers, and charity partners, ensuring it reflects the latest developments in healthcare. By keeping pace with evolving treatments and patient outcomes, Protectif avoids the pitfalls of outdated assumptions that often penalize travelers.
For policyholders, this means greater peace of mind. They can secure insurance that not only protects them abroad but also acknowledges their efforts to manage their health responsibly.
Transforming Customer and Insurer Experience
Feedback from brands already using Protectif has been overwhelmingly positive. Insurancewith, which specializes in policies for people with serious medical conditions, has reported that the tool’s flexibility and accuracy have made coverage more accessible for thousands of customers.
For insurers, the benefits go beyond fairer coverage. By reducing under-declaration and improving data quality, Protectif strengthens the relationship between insurer and customer. Policies can be priced more competitively, claims can be processed with greater clarity, and the overall customer journey becomes smoother and more transparent.
This alignment of customer satisfaction with insurer efficiency is rare in the insurance industry, and it highlights the transformative potential of Protectif’s approach.
A Competitive Edge in a Changing Market
With travel returning to pre-pandemic levels and consumers increasingly prioritizing trust and value, Protectif offers a timely advantage. Sophie Sayer, Head of Protectif, has emphasized that the tool’s mission is to challenge outdated models and provide a better alternative.
For the wider market, this competition is essential. By giving insurers and brokers the option to license Protectif, the UK insurance industry gains diversity, innovation, and choice. This not only benefits travelers directly but also fosters a healthier, more competitive insurance landscape.
Why Protectif Matters for the Future of Travel
The introduction of Protectif signals a wider trend: the demand for fairness and personalization in travel insurance. Consumers are increasingly unwilling to accept blanket risk assessments that fail to reflect their actual health circumstances. By recognizing the nuances of individual health management, Protectif provides a more humane and realistic solution.
For many, the ability to travel is more than leisure—it is a vital part of family life, work, or recovery. Affordable insurance is a cornerstone of this freedom. Protectif’s innovations ensure that people with pre-existing conditions can access coverage without prohibitive costs, fostering greater inclusivity in the travel industry.
Conclusion: A Step Toward Fairer Travel Insurance
The launch of Protectif is reshaping the UK travel insurance market, breaking the dominance of legacy systems and offering a fairer alternative for both customers and insurers. By focusing on how individuals manage their health rather than simply listing conditions, Protectif delivers more personalized, transparent, and affordable policies.
Its proven methodology, continuous updates from medical experts, and emphasis on inclusivity position it as a transformative force in the industry. For insurers, it provides efficiency and accuracy; for travelers, it offers peace of mind and the confidence to explore the world.
In an era when accessibility and fairness matter more than ever, Protectif represents a crucial step forward—ensuring that travel insurance keeps pace with modern healthcare and the evolving needs of today’s travelers.
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