Medical travel insurance

Compare travel insurance for pre-existing medical conditions

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Coronavirus (Covid-19) - important information 2nd March 2021

You'll be unable to get a quote for single trip or backpacker policies to international destinations for trips that start before 17th May 2021 on this website. If you're travelling in the UK, you'll be unable to get a quote for single trip or backpacker policies for trips that start before 12th April 2021.

You can only travel if you're legally permitted to do so. The Foreign, Commonwealth and Development Office (FCDO) has more information.

If you travel against FCDO advice, you won't be covered by any travel insurance policy you buy. If this advice remains in place after 12th April for the UK and 17th May for international destinations, and you choose to travel, you won't be covered.

Different rules may apply in England, Scotland, Wales and Northern Ireland and it is important that you follow all the rules that apply to you.

For travel advice on your destination, you should check the FCDO for the latest information.

If you have any queries, you should check your policy wording or contact your chosen provider before you buy.

We compare trusted travel insurance companies to find you the best deals.

Travel insurance with medical conditions

When buying travel insurance, it’s important to tell your insurer if you have a pre-existing medical condition. 

Depending on what the condition is, you may get a specialist policy that covers you for any related treatment while you’re on holiday.

You can find a policy that offers suitable cover by declaring your condition when you get a quote.

Some common conditions include:

  • Respiratory conditions
  • Heart, kidney, liver, circulatory or cerebral conditions
  • Stroke or central nervous system disorders
  • Cancerous conditions
  • Terminal conditions
  • Psychological conditions (diagnosed or treated)

Meanwhile, if you’re prescribed certain medication, you’ve recently received treatment, or had a consultation, then you may also have to declare this too.

If you choose to take out a standard policy without telling the insurer about an existing condition, and then go on to make a claim relating to this, your claim may be refused and the policy could become invalid.

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

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 Saga or Admiral
  • We offer a wide range of travel insurance guides to help you on your journey

Travel insurance tips

  • Get travel insurance in advance, as you might not be able to get the full benefit of cancellation cover. In 2019, 26% of people bought travel insurance less than a week before going away and 32% bought it on the same 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)

If you have a serious, pre-existing medical condition

If you have a pre-existing medical condition, you can still get a quote through Confused.com. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.

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