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Travelling with a medical condition – a guide

A doctor and a patientTraditionally it has been difficult to arrange travel insurance for those with pre-existing medical conditions, and is prohibitively expensive when it can be obtained.  Many applicants will still be ineligible under standard travel insurance conditions. However, having a medical condition shouldn’t mean you can’t travel, and nor should you have to pay out the equivalent value of the sun to do so.

Should I declare my condition?

It’s always best to be completely upfront when it comes to pre-existing conditions. If not, travel insurance is basically worthless – as a policy may well be declared void in the event of a claim if it transpires that the insurer wasn’t informed in advance.

And cover in these types of situations is particularly worthwhile. Although losing baggage for example is annoying and can be quite expensive, this pales into insignificance when you consider the costs of (potentially lengthy) medical treatment should you fall ill before the trip is out… not to mention accommodation for partners or families during this period, and possibly repatriation. So it’s really worth doing these things properly.

Who can I go to for insurance? can point you in the direction of a range of providers who specialise in cover for those with medical conditions. These include Free Spirit, MRL,, Saga and Flexicover Direct.

If you have an existing medical condition, go to our travel insurance page and select ‘I don't meet the assumptions but still want a quote’ at the bottom of the screen. You will then be presented with a list of travel insurance providers who should be able to supply you with a suitable quote.

For more information about medical cover in your travel insurance, read our article titled ‘Falling Ill Whilst Travelling – Your Medical Survival Guide’.

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