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Medical travel insurance can give you the reassurance you need to step foot on a plane again and enjoy the holiday you deserve when it is safe to travel.
We consider all pre-existing medical conditions for travel insurance and with us, there’s no upper age limit. So, with the right travel insurance in place, you can go on holiday knowing should the unexpected happen, we’re there if you need us.
Travel insurance that covers coronavirus means you can set foot on the sand again with confidence, even with pre-existing medical conditions.
Enhanced COVID-19 cover is included with all new policies at no extra cost. You’ll have generous COVID-19 cancellation cover and emergency medical expenses during your holiday.
We can cover most medical conditions. But if we can’t cover you, you may find the Money & Pensions Service directory helpful. They list specialist medical insurance providers – of which we are a listed provider. The directory can be found online, or by calling 0800 138 7777.
With rules and guidance changing regularly, it’s important to keep up to date with the latest travel advice.
Before you travel, you’ll need to know:
Emergency medical cover abroad for COVID-19
We’ve given over 7m people peace of mind
Data covers 2005 to 2020
Calls are FREE to our UK Contact Centres
24 hour medical emergency support
We’ve teamed up with Dr Dawn Harper to help answer your questions about travelling with medical conditions.
Any advice or information shared by Dr Dawn is her own and accurate at the time of publishing.
A pre-existing medical condition is a condition that you have had symptoms, surgery, investigations or medical appointments for in the past two years. It’s important you declare any pre-existing medical conditions you have when taking out a policy with us.
You can declare your medical conditions through our medical screening process, which is a set of questions for us to understand how your medical conditions affect you. You can complete the medical screening either online or over the phone.
It’s important that all pre-existing conditions are declared on your policy. This may avoid large medical bills if you need treatment in another country. Failure to disclose any pre-existing medical conditions may affect the validity of your policy should you need to claim.
| Basic | Comprehensive |
|---|---|
| Medical emergencies and repatriation | |
| Up to £5 million | Unlimited |
| Cancellation | |
| Up to £500 | Up to £5,000 |
| Cutting your holiday short | |
| Up to £500 | Up to £5,000 |
| Baggage claims | |
| Up to £300 | Up to £2,500 |
| Cash lost or stolen | |
| Up to £250 | Up to £500 |
| Personal liability | |
| - | Up to £2 million |
| Legal protection cover | |
| - | Up to £25,000 |
| End Supplier Failure | |
| - | £3,000 |
| Excess | |
| £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly. Before you take out a policy with us, it’s worth thinking about the areas that you might need to upgrade your level of cover. Get your quote online today!
Get Quote
| Basic | Comprehensive | |
|---|---|---|
| Medical emergencies and repatriation | Up to £5 million | Unlimited |
| Cancellation | Up to £500 | Up to £5,000 |
| Cutting your holiday short | Up to £500 | Up to £5,000 |
| Baggage claims | Up to £300 | Up to £2,500 |
| Cash lost or stolen | Up to £250 | Up to £500 |
| Personal liability | - | Up to £2 million |
| Legal protection cover | - | Up to £25,000 |
| End Supplier Failure | - | £3,000 |
| Excess | £85-£100 | £65 |
Tailor your policy to suit your needs. Not all holidays are created equal, so whether you’re hopping over to Paris for a weekend, or planning an epic worldwide tour, you’ll want to tailor your policy to cover you properly. Before you take out a policy with us, it’s worth thinking about the areas that you might need to upgrade your level of cover. Get your quote online today!
Get Quote
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:
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.
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.
Whenever you need us, our 24/7 claims team is here for you.
View claims information95%
of claims paid in 5 working days^* Based on most ‘Excellent’ Trustpilot reviews of any travel insurance provider.
** Winner of the British Travel Awards 2016-2020
Based on more Trustpilot reviews than any other travel insurance provider.
