Travel insurance with medical conditions

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! 

Epilepsy - epilepsy can affect people in different ways, so your cover can always be personalised to you 

Multiple sclerosis - if you’re living with multiple sclerosis, we may be able to offer tailored travel insurance for your trip. 

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

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 (Gastro-oesophageal reflux disease), 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 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 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 

Deep vein thrombosis (DVT) - having DVT doesn’t mean you can’t enjoy a well-earned holiday; get the cover that’s right for you. 

Stroke - if you’ve had a stroke, tell us about your medical history to get tailored travel insurance. 

Transient Ischemic Attack (TIA) - don’t let a mini-stroke stop you from traveling; we’re here to help you get covered. 

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 

Mental health - your mental health is just as important as your physical health. Get the right cover to travel with confidence and peace of mind. 

Awaiting surgery - find out if you can get travel insurance if you’re if you’re awaiting surgery or undergoing treatment. 

There’s more than one way to choose travel insurance that’s great value and ticks all the right boxes.  

1. Seek out the specialists

Specialist travel insurance providers like us may not be listed on comparison websites. But it’s worth looking for them, because specialist providers have the know-how to offer you a deal that’s cost-effective and covers you properly.   

2. Customise your policy

There’s no sense in paying for cover you don’t need. Choose a policy that reflects the true cost and needs of your trip. That way, you’re only paying for what matters most to you.  

3. Keep your eyes peeled for deals 

Who doesn’t love a bargain? It’s always worth checking if there’s a special offer on while you’re shopping around, like Black Fridays or the New Year. Don’t delay getting your policy though, as buying in advance can cover you for cancellations.   

4. Think about a multi-trip policy

If you’re bitten by the travel bug and jetting off more than once a year, an annual policy could be just the ticket. Covering all your trips over 12 months can work out better than buying separately for each adventure.

Excluding medical conditions from your insurance policy means you’re not covered for any related medical problems while you’re away.

You can’t currently exclude individual medical conditions from your insurance policy and we offer full cover for all of your pre-existing medical conditions. In rare cases, we may need to exclude conditions from your cover but we’ll make you aware of this.

If you are unsure on what needs to be declared you can speak to one of our friendly agents on 0333 014 4512.

You do not need to declare pregnancy when getting travel insurance, unless you have a pre-existing condition relating to your pregnancy.  

Your policy can cover certain complications of pregnancy, but only if the due date is more than 8 weeks after your trip ends, or 16 weeks if you’re expecting multiple births. 
 

For a summary of what’s covered, check our insurance product information document. You can view the full policy wording with your quote. 

From the minute your insurance kicks in, we’re here to cover you if you need to cancel your trip because of illness. This includes whether it’s you who falls ill or someone you’re travelling with, staying with, or a close relative.  

For single trip policies, this starts from when you buy your travel insurance. For annual multi-trips, you can delay the start date up to 90 days in advance.  

Fit to fly means that it’s medically safe for you to fly. To have your medical conditions covered by travel insurance, you must be fit to travel, including flying.  

If you have a stable health condition, and your doctor hasn’t advised against travel or flying, then you can follow their advice on traveling safely. When in doubt, always speak to your doctor.   

Learn more about being fit to fly with medical conditions.  

If you're taking medication abroad, there's a few things to bear in mind to make your journey as smooth as possible. Here's what you need to know about taking medicines abroad. 

In an emergency, contact the local emergency services first, and then call our 24-hour emergency helpline. Our team will help arrange your care and find the most appropriate place for treatment and follow up care. 

Our helpline is open 24/7, 365 days a year: 

• Calling from outside the UK: +44 1403 288 414 

• Calling from USA or Canada: +1 844 780 0639 

• Calling from Mexico: +1 819 780 0639 

• Calling from the UK: 01403 288 414 

If you or someone on your policy is admitted to hospital or your outpatient  treatment is likely to cost more than £350, contact us as soon as possible. 

Where you have a valid claim and your medical expenses exceed £350, we  will look to settle the bill directly with the medical provider where possible. 

If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for assistance. 

Whenever you travel abroad, it’s a good idea to take out travel insurance. If you’re planning a trip to Europe with health conditions, you’ll want to get medical travel insurance that includes those conditions.  

You should take out medical travel insurance even if you have:  

• A Global Health Insurance Card (GHIC)  

• A European Health Insurance Card (EHIC) 

These schemes can help you access free or discounted treatment, but you may still pay significant costs towards your care. Your card also won’t cover you if you need to go to hospital for private treatment.  

A Global or European Health Insurance Card is only valid for countries in the European Economic Area, which does not include all countries in the European continent.  

Check our guide for more information about the switch from EHIC to GHIC.