Online Customer ServicesGet a faster response from a member of our team.
Call Customer ServicesAlternatively, you can give us a call. You may be charged a £15 admin fee for making a change to your policy over the phone. You can make changes without additional charge by logging into My Staysure.
We've got more 5-Star reviews on Trustpilot than any other UK travel insurance provider
“An excellent product with a comprehensive range of features and benefits" - Defaqto
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?
Allergies - if you suffer from allergies, it’s 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!
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
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.
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.
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.
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.
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,
Dr Stephanie Ooi
GP
Travel is good for your health, and so is peace of mind.
“Whether you’ve booked a holiday abroad or are planning on enjoying a staycation in the UK, it’s safe to say that travel is good for your health. I think another way to help keep those cortisol levels low is to take out medical travel insurance. It can help give you the peace of mind to enjoy your holiday and all the health benefits it brings.”
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.
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
97% of people can get cover with us. But if any of the below applies, give our friendly agents a call to see if we can help.
If you’re not sure if you’re fit enough to travel
To get cover, you usually need to be fit enough to travel and know that your doctors wouldn’t advise against travel.
If you’ve been told your condition is life-threatening or terminal
We might still be able to offer you cover. But this would depend on your current health, when your trip is, and where you’re travelling to.
As a specialist travel insurance provider, we might still be able to help. Call our friendly team for further support.
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.
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.
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.
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.