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Medical travel insurance

Compare quotes for travel insurance with a pre-existing condition

  • Compare travel insurance for pre-existing medical conditions

  • Travel with peace of mind knowing you’re covered

  • Compare quotes from insurers like Admiral and Saga

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from Confused.com. All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

A number of our providers offer further COVID-19 related cover such as holiday cancellations and accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

Do I need medical travel insurance?

If you’re travelling abroad and have a pre-existing medical condition, a standard travel insurance policy may not cover you. You'll need medical travel insurance if you want to be protected should your condition flare up while you’re away.

Travel insurance with extra cover for pre-existing medical conditions can help cover the costs of any treatment you need.

What is considered a pre-existing medical condition?

Typically, a pre-existing medical condition is an illness or injury that you have, or that you have not been diagnosed with but you have been referred for investigations for, at the point of taking out medical travel insurance.

If you suffer from conditions such as diabetes or cancer, and you want to be covered for anything related to your condition, you’ll need travel insurance with extra cover for pre-existing medical conditions.

To make sure you have the right level of cover for your condition, you should check policy terms and conditions for a provider's definition of pre-existing medical conditions when you get a medical travel insurance quote.

What does medical travel insurance cover?

If you have a pre-existing condition, it’s really important that you take out medical travel insurance before you travel.

You can usually get travel insurance that covers these pre-existing medical conditions:

  • Asthma and respiratory problems
  • Heart conditions
  • Diabetes
  • Psychological conditions
  • Terminal illnesses

If you’ve got any doubts about your medical condition being covered with a policy, contact the insurer before buying, as they’ll confirm if you’ve got the right level of cover.

Asthma and respiratory problems are common, with sufferers experiencing symptoms like shortness of breath, chest tightness and coughing. Asthma is one of the most common pre-existing conditions covered by medical travel insurance.

Heart conditions include things like coronary artery disease, arrhythmia and heart valve disease.

Diabetes is a disease that occurs when your blood sugar is too high. It can cause major health complications but there are ways to effectively manage diabetes and stay healthy.

Psychological conditions are also considered pre-existing conditions for medical travel insurance and should be declared when you get a quote for medical travel insurance.

Terminal illness is a condition that means you have a life expectancy of less than 12 months.

How to compare travel insurance quotes for pre-existing medical conditions

Getting a quote for holiday insurance with medical conditions only takes three minutes, and if you’ve used us before it’s even quicker. Simply log in and check your details are up to date.

  • Fill out our travel insurance quote form
  • We compare prices from travel insurance companies to help find the right policy at the right price
  • We’ll show you a list of our best medical travel insurance quote to choose from.

What do I need to get a quote?

Getting a medical travel insurance quote only takes about 3 minutes. Having this information to hand makes it easier:

  • Name, age, address
  • Where you're travelling
  • Any medical conditions

There are questions about your general health as well as your medical conditions, so we can show you quotes with the most accurate level of cover.

You just need to be registered with a medical practitioner in the UK and ensure you declare all medical conditions when getting a quote. Depending on how serious your condition is, you may need to have a medical exam. Other than that, you shouldn’t need anything from your doctor.

Compare medical travel insurance quotes

How much does medical travel insurance cost?

The price of travel insurance with extra cover for medical conditions is likely to be more than a regular travel insurance policy. This is because you’re covering a specific medical condition and the cost of any emergency treatments you may need.

In general, the more serious your condition, the more you’ll be asked to pay for your medical travel insurance.

Here are some examples of average prices* for an annual travel insurance policy for those with a pre-existing medical condition of anxiety:

Destination Average annual premium
Worldwide exc. US, Canada and Caribbean
Worldwide inc. US, Canada and Caribbean

You can also see the average cost* of a medical travel insurance policy for 1 week in some of the most popular destinations around the world:

Destination Average premium price

*Confused.com travel insurance data – based on a average of all quotes which included a pre-existing medical condition of anxiety during September 2021 to February 2022

How do I get cheaper travel insurance with a medical condition?

Medical travel insurance can cost more than a standard policy, but there are some things you can do to get cheaper travel insurance with pre-existing medical conditions:

Buy in advance as prices may go up if you wait too long before your trip. It’s best to buy your medical travel insurance as soon as you book your trip as then you’ll be covered if you need to cancel your holiday due to illness or injury.

Get multi trip cover if you plan to go on holiday more than once within the next year. Taking out multi trip medical travel insurance could work out cheaper than buying a single trip policy. It also saves you the hassle of taking out a holiday insurance with medical conditions policy each time you travel.

Pay a higher excess, if you can. Medical travel insurance will be cheaper if you choose a higher level of excess. Excess is the amount you must pay towards any claim.

Compare quotes from a range of insurers so you get the best deal. Shopping around means your money should go further and helps you find the most suitable policy for you.

Compare medical travel insurance quotes

What should I consider before travelling with a pre-existing medical condition?

A little forward planning can help travelling with a pre-existing condition go smoothly. Our top tips can help you have a great holiday:

Research your destination in advance, so you know exactly where to find the nearest doctor, clinic, pharmacy and hospital.

Get a doctor’s advice before you travel as they should be able to advise you on what sort of travel and holiday activities are ok to do with your medical condition.

Pack your European Health Insurance Card (EHIC) so you can get access to state healthcare in EU countries, free of charge or at low cost. The EHIC covers things like emergency treatment, visits to A&E and routine maternity care. If your EHIC is no longer valid you can get a Global Health Insurance Card (GHIC) instead.

Remember, the EHIC and GHIC are not a replacement for health insurance.

Don’t forget anything, such as any medication you’ll need to last you through to the end of your holiday. Remember to take any relevant documents along with you as well, including letters from doctors or prescription details. Any medical equipment you regularly use also needs to go on your pre-departure checklist.

Need more help?

What is medical travel insurance?

Medical travel insurance is a type of travel insurance designed for people with pre-existing conditions. Unlike a standard policy, a medical travel insurance policy will cover you for one or more specific condition that you already have at the time when you take out the policy.

How much medical cover should I get?

This will depend on your condition and what level of cover you’ll need for any associated medical expenses. Most medical travel insurance quotes provide around £5m worth of cover, which is normally more than enough. If you have any doubts about your level of cover, contact your insurer.

How can I get cheaper travel insurance with a medical condition?

The best way to get a cheap medical travel insurance policy is to buy your policy with plenty of time left before you travel. You should also declare any medical conditions before buying, to avoid the risk of a claim being rejected in the future.

How long you’re away for, where you’re travelling and what activities you’re doing can also affect the cost of a policy.

Can you get travel insurance for pre-existing conditions?

Yes, you can get travel insurance for pre-existing conditions. Only in some of the most serious circumstances will insurers refuse to provide cover. You may be asked to pay more for your insurance due to your pre-existing condition, but for milder conditions it’s usually not much.

Is pregnancy a pre-existing medical condition?

No, most insurers don’t consider pregnancy a pre-existing medical condition, so you don’t need to buy a medical travel policy to cover it.

You can still buy a pregnancy travel insurance policy to be sure you’re covered for anything unexpected while on holiday. There are certain limits on policies, for example depending on how far along in your pregnancy you are, or whether you’re having twins. Check the details of your chosen policy with the insurer in more detail before you buy.

Can you get medical only travel insurance?

Medical travel insurance, along with travel insurance in general, includes cover for things like cancellations and lost or stolen belongings, as well as medical cover. The main difference between medical travel insurance and standard travel is that medical travel insurance will also cover you for pre-existing medical conditions – illnesses or injuries that you already had at the time you took out your policy. To get a medical travel insurance quote you need to declare them on our travel insurance quote form.

What do I do if I’m refused a quote?

Unless it’s a particularly serious condition, it’s unlikely that you’ll be refused a quote. We work with a specialist panel of insurance companies who give quotes for many declared serious medical conditions. If for any reason you do struggle to get a quote, the Money and Pensions Service (MaPS) have set up a directory of insurers to help cover pre-existing conditions.

You can find their directory of insurers on the Money and Pensions Service (MaPS) website or you can phone them on 0800 138 7777 for free impartial advice.

Am I covered if I develop a condition after I buy my travel insurance policy?

If the medical condition wasn’t declared when you bought the original policy, then you won’t be covered. All conditions must be declared at the time of buying a policy.

Can I exclude a medical condition from my travel insurance?

If you don’t disclose a medical condition on your policy but then go on to try and claim, it’ll most likely be rejected by your insurer. You must disclose any medical conditions that you have before travelling, otherwise you run the risk of having to cover any medical bills yourself.

Can I travel if I have a terminal illness? Will I be covered?

Terminal illnesses are included in the pre-existing medical condition category, but you’ll still need to check with your insurer to see whether you’re covered. It’s also a good idea to get advice from your doctor before you decide to travel.

What is the difference between travel insurance and medical insurance?

Medical travel insurance covers the same things as standard travel insurance but also covers you for certain pre-existing medical conditions. It means that you’ll be covered for illnesses or injuries you already have at the time you take out the medical travel insurance policy. Standard travel insurance won’t cover you for pre-existing conditions.

How much travel medical insurance do I need for the USA?

Health care in the USA generally costs more than in Europe. As a UK citizen, you won't be entitled to free or low cost emergency treatment like you can get in the EU by presenting the European Health Insurance Card (EHIC) or its replacement, the Global Health Insurance Card (GHIC).

If you’re travelling to the USA, it’s extremely important that you have adequate travel insurance in place. If you’re travelling to the USA and you have a pre-existing condition, it’s vital that you take out medical travel insurance.

Do travel insurance companies check medical records?

Insurers can only check your medical history after obtaining your permission. They could ask for this when you get a medical travel insurance quote. If you’ve given your permission, they may later ask for your GP to provide information on your medical history. It’s important to declare any pre-existing medical conditions you may have when you get travel insurance quotes, as otherwise you could find that your travel medical claims end up being refused.

Do I need medical insurance to travel to Europe?

You don’t have to have medical insurance to travel to Europe, but it will cover you for any declared pre-existing medical conditions as well as for other illnesses or injuries that occur while you’re on holiday. You’ll also be covered for things like cancellations, accidents, theft or loss of belongings.
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What our travel insurance expert says

We all know medical bills abroad can be expensive. People don’t realise it, but it takes just 3 minutes to get a medical travel insurance quote and you can go ahead and enjoy your holiday knowing you’ve got cover for your condition.
Jac Morris signature

Jac Morris

Travel insurance Product Executive

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