Travel insurance for pre-existing medical conditions

We know it’s important that you’re happy with your level of cover when you’re travelling, especially if you’re concerned about pre-existing medical conditions.

Getting pre-existing medical travel insurance is easier with Staysure. We consider all conditions including cancer, heart conditions and diabetes, giving you great value and peace of mind when you are travelling.

Medical conditions cover is available across all policies and we offer a simple medical screening process in the form of a questionnaire completed online or by calling free on 0800 033 4902.

Covering pre-existing medical conditions

To make sure you’re covered, all pre-existing medical conditions should be disclosed and confirmed on your travel insurance policy document. Disclosing all existing conditions means you will not be liable for large bills if you fall ill while you’re travelling, especially in locations where there is no state health care, such as the USA or other locations outside Europe.

If you’re taken ill in the USA, a hospital stay plus the cost of repatriation back to the UK could easily run to tens of thousands of pounds.

Screening for medical travel insurance

Declaring all of your pre-existing conditions fully in the medical screening process is vital as failing to do so may result in you not being covered should you need to make a claim. With an air ambulance from Spain back to the UK costing upward of £10,000 in some instances, travel insurance which covers your repatriation costs for pre-existing medical conditions provides you with peace of mind should the worst happen.

The medical screening process is a set of simple questions about your health that will help your insurer determine the severity of any condition when you’re buying travel insurance to ensure you get the right level of cover. With Staysure, this can be completed over the phone or online in a matter of minutes.

For more information on medical screening travel insurance, including the questions you’re likely to be asked, read our medical screening page.

Complete our simple medical screening online in minutes or by calling free on 0800 033 4902.

Do I need travel insurance if I have an EHIC?

The NHS recommends that holidaymakers have both a travel insurance policy and a free European Health Insurance Card (EHIC) which entitles holders to free or reduced cost medical care within the European Economic Area and Switzerland and could save you the excess if you make a medical claim with Staysure.

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

  • Medical treatment outside the EEA and Switzerland (note: Turkey is not a current member of the EEA)
  • Costs associated with rescue and repatriation
  • Lost or stolen property such as passports, baggage or precious items
  • Losses from trip cancellation, curtailment and interruption
  • Extra travel and accommodation costs due to illness.

You can apply for an EHIC here or by calling 0300 330 1350.

Travel insurance while on a waiting list for surgery or awaiting test results

Unlike many insurers, Staysure can offer cover for medical and repatriation claims in relation to numerous surgeries and the associated condition if they have been declared when booking your policy‡.

Also, while we will be able to provide a more appropriate quote if your pre-existing medical condition has been fully diagnosed and declared, we can still consider you for cover if you are awaiting test results.

For more information on getting travel insurance while awaiting surgery or test results and a full list of the surgical procedures that can be covered, take a look at our awaiting surgery page.

Medical Travel Insurance

If you have any questions regarding medical travel insurance, our specialists will gladly help – simply call free on 0800 033 4902 or get an online quote in minutes.

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*£14.99 based on a Basic policy for 1 person aged 18-65 travelling for 7 nights in Europe with high blood pressure, with a policy purchase bought up to 30 days before travel
†Based on all quotes given between January 2016 – December 2016
‡You will not be covered to claim for cancellation or curtailment if it is due to the condition you are awaiting surgery for