Medical Travel Insurance

Declaring your pre-existing medical conditions starts with telling us the name of your condition during our medical screening. You can choose cover for pre-existing medical conditions across all our policies. We’ll just ask you a few questions about your conditions either online or over the phone to start tailoring your policy. For information on getting medical travel insurance while awaiting surgery please see our awaiting surgery page for a full list of surgical procedures that can be covered.

Here are a few of the most common conditions we cover:

• Arthritis
• Asthma
• Breast cancer
• Cancer
• Diabetes
• Epilepsy
• Heart conditions
• Hernia
• High blood pressure and high cholesterol
• Gallstones
• Multiple Sclerosis

You can choose cover for pre-existing medical conditions across all our policies. We’ll just ask you a few questions about your conditions either online or over the phone to start tailoring your policy.

When applying for travel insurance, we’ll ask you to declare any conditions through our medical screening process.

Declaring all of your pre-existing conditions is vital. Failing to do so may affect the validity of your policy, should you need to claim further down the line.

You should have to hand:
• The names of any medical conditions you have
• Medical history documents to help with questions relating to dates

Complete our simple medical screening online today.

If you are taken to hospital as an emergency by ambulance or any other emergency service, you will need to make sure that you or a travelling companion call us as soon as possible.

By calling our 24-hour medical emergency helpline, we may be able to help you locate the safest and most appropriate place to have treatment. We can also help by acting as a translator if your medical team don’t speak English.

The NHS recommends that people have both a travel insurance policy and a free European Health Insurance Card (EHIC). The EHIC entitles you to free or reduced cost medical care when travelling to European countries. We strongly recommend that you apply for an EHIC if you don’t already have one. In fact, it’s a condition of our travel insurance that if you’re travelling to a European country, you have an EHIC with you.

The EHIC should not be considered a replacement for travel insurance, as it does not provide any cover for:

• Medical treatment outside the EEA and Switzerland (please note: Turkey is not a current member of the EEA)
• Extra travel and accommodation costs due to illness
• Costs associated with rescue and repatriation
• Losses from trip cancellation, cutting short your trip and interruption

For information on Brexit and how it may affect the EHIC and your travel insurance, click here.

It's important that you declare any changes to your health or medical conditions, even after you have bought your policy. These changes may mean an additional charge or a change to the type of cover you’ve bought. Please contact our Customer Services team to notify us of any changes.

We don’t consider pregnancy to be a pre-existing medical condition for travel insurance. You won’t need to declare your pregnancy on your policy unless you have an underlying medical condition related to your pregnancy.

For more information, see our pregnancy travel insurance page.