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Travel insurance with medical conditions

Travel confidently with your medical conditions covered

Planning your next trip? We've been specialists in travel insurance for people with medical conditions since 2004.

  • Cover for most pre-existing conditions
  • By your side in an emergency abroad, day or night
  • No upper age limit
Excellent 4.7 | 438,990 reviews

We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider

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“An excellent product with a comprehensive range of features and benefits" - Defaqto

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Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2024

Can I get travel insurance with medical conditions?

Some travel insurance providers will only cover you for treatment and claims that aren’t related to pre-existing medical conditions. But emergency treatment abroad can cost a small fortune.  

 

If you have a health condition, you’ll need medical travel insurance including pre-existing conditions, so you’re properly protected. It’s the best way to make sure your policy is valid when you need to use it.  

 

Over 97% of people can get cover with us. Add your medical condition(s) to our award-winning travel insurance, which includes COVID-19 cover*, luggage losses, cancellation cover and more. 

 

That’s your passport to peace of mind.

 

Why get medical travel insurance with Staysure?

 

  • We’re the UK’s number one travel insurance provider, based on Trustpilot reviews 

  • We specialise in medical travel insurance and can cover almost all pre-existing conditions  

  • Includes all the benefits of our award-winning travel insurance 

  • 24/7 support whilst away from specialist medical advisors worldwide 

  • Unlimited medical expenses on our Comprehensive and Signature policies  

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 

 

We also need to know if you’ve had a heart or circulation condition at any time.

 

To offer you a policy that reflects the cover you might need, you’ll be asked about your current health rather than just the name of your condition.  

 

Our simple medical screening makes it easy - get a quote tailored to you within minutes. 

What medical conditions can travel insurance cover?

Proud to be a part of BIBA's medical directory

For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!

 

To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.

How Staysure cover works in three easy steps

To get cover, you’ll need to declare all pre-existing condition(s) to us when getting a quote for travel insurance. We make it easy to get a quote tailored to your trip and health. 

 

See our FAQs for more on what’s covered and what you need to disclose.

 

1. Tell us about your trip

We’ll need a few quick details to get started: 

 

  • If you need cover for one trip or multiple trips
  • Who the insurance is for
  • Where you’re going and how long for

 

2. Let us know about your condition(s)

Our simple medical screening helps us understand you better and the care you could need abroad. 

We’ll ask about pre-existing conditions, which is any health issue where in the last two years you’ve had:  

 

  • Appointments
  • Symptoms
  • Tests or investigations
  • Treatments
  • Hospitalisations
  • Medication

 

We also need to know if you've ever had heart conditions or circulation problems.

 

3. Get your quote

If you complete the screening and we can cover you, your tailored quote will be available to view online, and emailed to you. It includes travel insurance tailored to cover your condition(s). 

 

Explore and choose from three levels of cover to suit your needs (as below).

 

Choose optional add-ons to tailor your quote to your trip, including winter sports or cruise plus benefits.

Choose cover that’s right for you

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

Ready to travel-sure?

It only takes a few minutes to get a quote tailored to your trip and conditions. Or if you’d prefer to talk to someone, call our friendly team who are happy to help.

What does medical travel insurance cover?

Our travel insurance for medical conditions includes all the benefits of our award-winning travel policy and covers you for any medical conditions that you’ve declared and we’ve accepted.

 

For more information, see our guide on what travel insurance includes.

You’re covered for:

 

  • Claims related to your pre-existing conditions
  • Cancellations or cutting your trip short
  • Emergency medical expenses – with 24-hour support abroad
  • Travel delays
  • Lost or damaged baggage 
  • Lost or stolen cash
  • COVID-19*
  • Optional add-on cruise plus, winter sports and golf cover

You’re not covered for:

 

  • Travelling against your doctor’s advice 

  • Claims related to pre-existing medical conditions you haven’t told us about 

  • Planned treatment or non-emergency care 

  • Travel for medical procedures abroad 

  • Reimbursement for lost, damaged or stolen medicines or equipment 

  • Incidents related to alcohol or controlled substances

  • Strike action that was common knowledge at the time of booking 

  • Choosing private treatment when suitable public facilities are available 

  • Choosing not to travel

What conditions don't I need to declare?

You don’t need to declare:

 

  • Pregnancy – unless you have a pre-existing condition relating to your pregnancy, you don’t need to let us know when you take out your policy
  • Contraceptive treatment – including contraceptive medication or implants

Flexible cover add-ons to suit you

Tailor your insurance to your trip with optional add-ons. Everything you need, covered under one policy. 

A birdeye view of a cruise ship sailing in the sea
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Cruise Plus
A car driving through a winding road
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Excess Waiver
A photo of a mobile phone partially covered in sand on a beach
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Gadget Cover
A person looking out from a balcony
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Travel Disruption
A photo of snow capped mountains in the distance
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Winter Sports Cover
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Golf Cover
Excellent 4.7 | 438,990 reviews

The UK’s most trusted travel insurance

Customers give us twice as many 5-star reviews as any other travel insurance company. That’s over 340,000 glowing reviews and counting. 

The person going through the form with…

The person going through the form with me was very helpful and so pleasant.

Mrs King,
The right insurance at the right price.

Simple guide through the website to select the correct insurance I required, plus the additional ski package was easily added to the over insurance quote.

Christopher Parkin,
Process was easy

The process was easy to navigate and was straight forward to understand. The payment process was simple and the documents appeared in my inbox in seconds.

Dissatisfied customer,

How much medical cover do I need for travel insurance?

Medical emergencies abroad can be extremely expensive. Below are examples of emergency medical treatment without insurance to cover the costs.

 

According to gov.uk

 

  • A broken leg in Spain with return flights home can cost you over £25,000 

  • A vehicle accident in Greece with surgery and flights home can cost you over £80,000 

  • A stomach bug treated in a hospital in the USA with return flights home can cost you over £150,000 

 

If you need medical attention abroad, you want to focus on the care, not the cost. That’s why we give you unlimited cover with our Comprehensive and Signature policies. 

Common questions for travelling with medical conditions

Useful pages

Learn more
What travel insurance covers
Learn more
What to declare on your travel insurance

*Must have had all vaccination(s) unless exempt

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Staysure is a trading name of TICORP Limited. Staysure Travel Insurance is arranged by TICORP Limited which is registered in Gibraltar company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades into the UK on a freedom of services basis, Financial Conduct Authority FRN 663617.

Staysure Travel Insurance is administered by Howserv Limited which is registered in England andWales number 03882026. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

We receive payment from the Insurer for the sale, service and renewal of your insurance policy.This payment is included in the premium you pay and is not an extra fee. Our staff may receive monthly or periodic rewards and bonus payments for their performance. This is based on various targets, including the quality of service provided to you, and is designed to ensure they act in your best interests.

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