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When you’re taking a holiday with a pre-existing medical condition such as gallstones, it’s a good idea to tailor your travel insurance to cover your conditions.
That way you know that if something goes wrong, whether it’s a medical problem or something else connected to your trip, you’re covered.
With our travel insurance you can tailor your policy to your needs. You’ll have the level of cover you want: for your possessions, for your travel plans, and for your pre-existing medical condition.
With problems occuring on holiday more often than you might have realised, from lost luggage to a stolen passport, 1 in 20 people claimed on their Annual Travel Insurance in 2018.*
But you don’t need to gamble on your holiday running smoothly. A well-tailored travel insurance policy may not stop all problems arising, but it can minimise or cancel out the cost and inconvenience if they do.
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It’s important you declare gallstones and any other pre-existing medical condition you may have, when taking out a policy with us.
You can declare your medical condition through our online medical screening process, which is a straightforward set of questions for us to understand how your medical conditions affect you. Or, if you prefer, you can complete the medical screening over the phone.
It’s important that all pre-existing conditions are declared on your medical travel insurance policy. This will 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 where you might need to upgrade your level of cover.
| 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 where you might need to upgrade your level of cover.
While everyone’s individual medical history is different, the types of questions you can expect about gallstones include:
If your doctor has advised you not to travel there’s probably a good reason for it. We won’t be able to cover you until your doctor gives you the all clear that you’re fit to travel.
Yes. This isn't uncommon with gallstones. When you phone us or complete the online medical screening process, you must declare this and any other conditions on your medical travel insurance.
If you’ve bought an insurance policy with us, and you've declared all pre-existing medical conditions, then you can breathe easy knowing you're covered for any medical emergency abroad.
If you need to call us from anywhere in the world, our emergency line is open 24 hours (you can even reverse the charges). If you need medical treatment arranged with local doctors, we'll help you do that. We'll even provide translation services where necessary.
If there's a change to your medical condition before you start your holiday, you must tell us as soon as possible. Otherwise you may not be properly covered if you have to claim. Please call us and we'll do our best to see if we can increase the coverage where necessary.
If your changed medical condition means you can't travel, then so long as you have disclosed any pre-existing medical conditions to us before buying your travel policy, you will be covered for cancellation.
Whenever you need us, our 24/7 claims team is here for you.
View claims information95%
of claims paid in 5 working days^* As provided by our underwriter
** Winner of the British Travel Awards 2016-2020
Based on more Trustpilot reviews than any other travel insurance provider.
