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Travel insurance for pre-existing medical conditions

Travelling with a medical condition shouldn't mean you can't find the right cover


  • Worried about finding cover because of your condition? Allow us to do the legwork and give you peace of mind
  • Specialist cover for medical conditions like asthma, heart disease and stroke
  • Compare cover for emergency medical treatment whilst on holiday


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What is travel insurance for pre-existing medical conditions?

If you or any of your travel party have a pre-existing medical condition and fall ill whilst on holiday, then a pre-existing medical travel insurance policy could help you with cover for emergency treatment and hospital costs relating to that pre-existing condition. Some common pre-existing medical conditions include:

  • Respiratory conditions (relating to the lungs or breathing)
  • Any heart, kidney, liver, circulatory or cerebral conditions
  • Stroke or central nervous system disorder
  • Cancerous conditions
  • Terminal conditions
  • Psychological conditions (diagnosed or treated)
  • Prescribed medication, received treatment or had a consultation (within a given period of time)

Take a look at our article on travel insurance for pre-existing medical conditions for more information.

What does a pre-existing medical policy cover?

    • Medical expenses could be covered if you get ill or injured abroad
    • Repatriation could also be covered if you are unable to travel on your pre-arranged transport, so you could be closer to your friends and family back in the UK
    • With cancellation cover you could claim back your hotel and transportation costs if you are forced to cancel your trip
    • Your luggage, personal possessions and money could also be covered if they are lost, stolen or damaged
    • Most travel insurance policies offer a 24 hour helpline providing advice and support in an emergency

Take a look at our guide to when to claim on your travel insurance.

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Travel insurance tips

  • Get travel insurance in advance, as you might not be able to get the full benefit of cancellation cover. In 2011 and 2012, 45% of people bought travel insurance less than a week before going away and 2% bought on the day! (Confused.com data)
  • It’s important that you declare any pre-existing or medical conditions that you or your travel party have or might have developed during the term of policy
  • Read the terms and conditions of your policy in advance and take a look at the excess and policy exclusions to make sure you’re covered (most policies exclude alcohol and drug related incidents)
  • Why compare travel insurance for existing medical conditions with Confused.com?

    Some standard travel insurance policies may not offer cover if you have a pre-existing medical condition, so finding cover can be difficult. We compare travel insurance quotes from providers who cover for pre-existing medical conditions, and we could find you competitive insurance prices to cover your medical conditions and all of your travel needs.

    • We aim to get you our best deal on travel insurance
    • Compare popular brands like Columbus Direct and MRL Insurance
    • We offer a wide range of travel insurance guides to help you on your journey
    • Confused.com’s Travel Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is regulated and authorised by the Financial Services Authority. Registered office; 3 Mason Court, Gillan Way, Penrith 40 Business Park, Penrith, Cumbria CA11 9GR. Registered in England no: 04231834


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