Medical Travel Insurance

Don’t let having pre-existing medical conditions stop you from seeing the world with confidence. Get a quick quote for travel insurance with medical conditions and know we’ll be there if something goes wrong.

  • Cover for most pre-existing conditions
  • Up to unlimited medical expenses
  • 24 hour medical emergency helpline
  • Trip cancellation cover included

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Featured on the MoneyHelper travel insurance directory for best travel insurance with medical cover

Why do I need travel insurance for my medical conditions?

A condition you live with day to day shouldn’t get in the way of a great holiday.

Declaring your pre-existing condition when you take out your travel insurance policy will make sure you’re covered for any claims related to it. Treatment for unexpected illnesses when you’re abroad can be huge – in the USA, the average cost of holiday medical treatment is £9,941.*

But specialist travel insurance for pre-existing medical conditions can give you reassurance for the worst case scenario, so you can kick back and relax. After all, that’s what holidays are about!

So, whether it’s a new diagnosis or a long-term condition, you can escape the everyday with peace of mind.

What is a pre-existing medical condition for travel insurance?


A pre-existing medical condition for travel insurance is one where, over the past two years, you’ve had:


✔   Symptoms
✔   Treatment and/or medication
✔   Investigations and/or surgery
✔   Medical appointments


If you’ve had a cardiovascular or circulatory condition at any time, it’s really important that you tell us about it.


You can cover most pre-existing conditions with us, plus there’s no upper age limit.

What are you waiting for?

What's Covered?

Medical emergencies and repatriation Up to £5m
Cancellation Up to £500
Cutting your holiday short Up to £500
Baggage Up to £300
Travel delay Up to £300
Money and passport Up to £300
Excess £129
Medical emergencies and repatriation Unlimited
Cancellation Up to £5k
Cutting your holiday short Up to £5k
Baggage Up to £2.5k
Travel delay Up to £1.5k
Money and passport Up to £500
Excess £99
Medical emergencies and repatriation Unlimited
Cancellation Up to £10k
Cutting your holiday short Up to £10k
Baggage Up to £5k
Travel delay Up to £1.5k
Money and passport Up to £500
Excess £0
Basic Comprehensive Signature
Medical emergencies and repatriation Up to £5m Unlimited Unlimited
Cancellation Up to £500 Up to £5k Up to £10k
Cutting your holiday short Up to £500 Up to £5k Up to £10k
Baggage Up to £300 Up to £2.5k Up to £5k
Travel delay Up to £300 Up to £1.5k Up to £1.5k
Money and passport Up to £300 Up to £500 Up to £500
Excess £129 £99 £0

These are just a few of the things our policy covers. For the ins and the outs, take a look at our policy wording.

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What’s not covered?

Travel insurance with medical cover is there to offer a helping hand if something unexpected happens. But that doesn’t always mean everything is covered.

It’s important to read through your policy before you set off on your trip. It’ll hep you understand what you’re covered for, and what you’re not.

You can discover more in our guide to what travel insurance covers too.

Your Staysure policy won’t cover these types of claims:

  •   Travel against the advice of a doctor
  •   Choosing not to travel
  •    Any pre-existing medical conditions you haven’t told us about – or changes to your health that you haven’t discovered since you bought your policy
  •    Travel for medical treatment, tests or consultations
  •    Travel with a terminal prognosis that’s less than 6 months from your planned return date***

Cover for most pre-existing medical conditions

We're specialists in travel insurance for pre-existing conditions. Here are some of the conditions we can usually cover:

Allergies – if you suffer from allergies is really important that you let us know


Asthma – whether you have mild or severe asthma, get a quick quote for tailored cover


Chronic Obstructive Pulmonary Disease (COPD) – if you have a lung condition like COPD, we may be able to cover you for medical emergencies abroad

Cancer –  your cancer diagnosis shouldn’t stop you from seeing the world


Breast cancer – whether you’ve just been diagnosed or you’re in remission, find out if we can cover your breast cancer

Prostate cancer – finding good cover when you have prostate cancer can be tricky, but we‘re here to give you a helping hand

Diabetes –  type 1 or 2 diabetes shouldn’t stop you from going on holiday!

Epilepsyepilepsy can affect people in different ways, so your cover can always be personalised to you


Multiple sclerosis – let us know if your multiple sclerosis is progressive, remitting, relapsing or benign when you take out cover

Parkinson’s – tell us about your Parkinson’s disease, and know we’ll be by your side when you need us most

Deep vein thrombosis (DVT)- if you’ve ever had DVT it’s important to let us know so we can add it to your policy


Strokes– if you’ve previously had a stroke or suffered from a  transient ischemic attack, holiday insurance can give you the confidence to keep travelling  

Crohn’s disease – having Crohn’s disease shouldn’t stop you from getting away from it all!


Diverticulitis – whether you’re living with symptoms of diverticulitis or you’ve had surgery, travel with confidence on your next trip


Gastric reflux – if you’re living with GORD, gastric reflux or excess stomach acid, make sure you’re properly covered


Gallstones and gallbladder conditions – gallstones and gallbladder conditions shouldn’t get in the way of a great holiday

Cataracts – if you’re living with cataracts, or awaiting removal or surgery, we may be able to cover you


Glaucoma – having travel insurance for glaucoma means you can enjoy your holiday with peace of mind

Angina – we may be able to cover you if you’ve had a coronary angioplasty or a heart stent fitted for angina 


Atrial Fibrillation– tell us about your history of atrial fibrillation and travel the world knowing we’re there when you need us


Cardiomyopathy – get the go-ahead from your doctor that you’re fit to travel and relax with cardiomyopathy travel insurance that’s tailored to you


Heart attack – if you’ve previously had a heart attack, as long as a doctor has given you the go-ahead to travel, we should be able to cover you


Heart bypass – if you’ve ever had a heart bypass, you’ll need to add it to your travel insurance


Heart conditions – don’t let your heart condition get in the way of a great trip


High blood pressure- get tailored travel insurance for your next holiday if you have high blood pressure or high cholesterol

Arthritis – make sure that you can travel to your favourite places, knowing that you’re covered if you need medical attention for your arthritis 

Back and neck problems– from a slipped disc to sciatica, if you’ve got a previous history of back or neck issues it’s important that you tell us

Hernia – having a hernia shouldn’t get in the way of a great holiday


Joint replacements – if you’ve previously had a joint replacement, let us know about your surgery


Osteoporosis – being diagnosed with osteopenia or osteoporosis shouldn’t get in the way of your next holiday

Mental health  – if you have a history of anxiety, depression or other mental health issues, it’s important that you let us know

HIV – include AIDS or HIV on your travel insurance, and travel with a policy that meets your needs

Kidney conditions – whether you’re living with Chronic Kidney Disease (CKD), kidney stones, nephritis or renal failure, we know what’s what when it comes to travel insurance for kidney patients

Fibromyalgia –
if you’re living with fibromyalgia, it’s important to choose specialist medical travel insurance

Thyroid issues
– living with hyperthyroidism is considered a pre-existing medical condition, so you need to declare it on your travel insurance

What if you can’t cover my condition?

This list isn’t definitive, so if you’ve been unwell with, or had treatment for, any other illness, it’s important you let us know.

And if you’re in the process of getting a diagnosis, undergoing treatment or awaiting surgery, we might still be able to offer you a level of cover. Call our friendly team to find out more.

If you’ve spoken to us and we can’t cover your condition, take a look at the Money Helper Travel Insurance Directory. It lists other medical insurance providers who might be able to help.

Money Helper for Travel Insurance

Get your tailored policy

Add optional policy extras to your travel insurance quote

Tailor your policy to meet your needs. If you're sailing the seven seas on an ocean cruise, or you'd rather not pay any excess, we have an add-on for just that! All add-ons are available on Single Trip and Annual policies.

Off on a cruise holiday? Cruise Plus Cover protects you against things like not being able to dock at a scheduled port due to bad weather, and cabin confinement. It’s available on Comprehensive and Signature policies. Find out more about our different levels of Cruise cover.

If you’re going to be taking expensive tech away with you, like a laptop, smartwatch or smartphone, Gadget Cover can protect an unlimited number of your devices for up to £2,000. This cover includes protection against accidental loss or theft, damage from accidents or malicious intent, liquid damage, and unauthorised call, text or data usage. It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard. Learn more about Gadget Cover.

If you need to make a claim, having an excess waiver means you won’t have to pay out from your own pocket. This can’t be added retrospectively and does not apply to Terrorism Cancellation, Car Hire Excess Waiver or Gadget cover. It’s available on Comprehensive policies as an add-on, but included on Signature policies as standard.

Cover for cancelling or cutting your holiday short if the FCDO (Foreign, Commonwealth & Development Office) advises against all, or all but essential travel to your destination because of an unforeseen incident such as an earthquake, fire, flood or hurricane. Find out more about our Travel Disruption cover. It can be added to any policy.

Golf insurance covers your golf equipment hire and non-refundable golfing fees. You’ll have hole-in-one cover too – meaning we’ll pay you £300 if you score a hole-in-one during your trip, as long as you’re a member of a recognised golf club affiliated to a national golfing union, you have your scorecard signed by your playing partner and you’re playing at a golf affiliated golf course too. It’s available on Comprehensive and Signature policies when playing non-professionally only.

This add-on can help if you have a medical emergency while taking part in winter sports activities. Available on Comprehensive and Signature policies, it can also help cover the costs should you lose or damage your own winter sports equipment as well as cover the costs of unused ski passes, piste closures and avalanches.

Winter sports cover is already included as standard when you choose a Comprehensive or Signature Annual policy and covers you for two trips, up to a total of 28 days. Find out more about Winter Sports cover.

Need help buying your policy?

Find out how you can contact us

Discover answers

Are you fit to fly?

Dr Stephanie Ooi answers your questions

What you need to know

Travelling with medication?

Discover tips for planning ahead

Explore more

How does medical travel insurance work?

  1. Tell us about yourself
    Give us a few details about yourself, your holiday and the type of insurance you need
  2. Easy medical screening
    Answer some simple questions about the medical condition(s) you live with
  3. Choose your level of cover
    Pick a policy that’s most suited to your needs. Don’t forget to tailor your quote with optional add-ons.
  4. You’re ready to go
    As soon as you’ve bought your policy, your documents will be emailed to you and you’ll be covered for your trip.


Quick and easy medical screening


Medical screening for travel insurance is a quick and easy process that takes the hassle out of getting holiday insurance with medical conditions.


We’ll ask you a simple set of questions about your medical history that helps us to understand how your condition(s) affect you.


Learn more about our medical screening process here.


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What our expert says…

"It's really important that you tell us about any changes to your health after you've bought your policy. If you forget, you might not be covered if you have a medical emergency and you need to claim. Adding a new medical condition to your holiday insurance policy may cost a bit extra, but it means you're covered should the unexpected happen."

- Vikki Measures, travel insurance expert

Read Vikki's guide to what you need to declare on your travel insurance

A quicker, easier way to manage your policy

Already a customer? You can make changes to your policy, online and in your own time with My Staysure.

We know you don’t want to wait in a call queue. So if you need to make changes, like updating traveller details, changing your medical details or renewing a policy, visit your My Staysure account.

My Staysure
Get your tailored policy

Frequently asked questions

You, or someone with you, should call our 24-hour medical emergency helpline as soon as possible. You’ll find this number on your policy documents. We can help you find the most appropriate place for you to have treatment. Our multilingual team can also act as a translator if your medical team doesn’t speak your language.

Medical emergencies abroad can be extremely expensive. For instance, according to a stomach bug or infection treated in a hospital in the USA, with return flights home, can easily return a medical bill of £100,000.


That’s why you get up to £5 million of cover for medical emergencies and repatriation with our Basic travel insurance for pre-existing conditions, and up to unlimited cover with our Comprehensive and Signature policies.

Specialist travel insurance is another way to describe holiday insurance for medical conditions. It’s a specialist type of insurance that’s often not covered by a standard travel insurance policy.


It’s a term that can also be used to describe other types of ‘non-standard’ policy too, like winter sportscruise insurance, and travel insurance for over 70s.

Pregnancy isn’t a pre-existing medical condition. You don’t need to let us know about it when you take out your policy, unless you have a pre-existing condition relating to your pregnancy. For more information, take a look at our pregnancy travel insurance page.

If you are travelling to Europe and you have a Global Health Insurance Card (GHIC) or an European Health Insurance Card (EHIC), you should still take out medical travel insurance.


The GHIC/EHIC schemes can give you access to free or discounted emergency medical treatment within the EU, but they’re not the same as proper travel insurance. You could still pay for a large portion of your care with a GHIC or EHIC, plus they won’t cover you if you get taken to a hospital for private treatment.


Only travel insurance can cover you in these instances, giving you the peace of mind you want on your holiday. Find out more in GHIC is the new EHIC: what you need to know.

Policy documents

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*Data courtesy of
** Winner of the British Travel Awards 2016-2022
*** Applies to Single Trip policies only