Finding travel insurance with pre-existing conditions can be daunting, but it doesn’t have to be. Just follow these 3 steps to find a policy:
“A pre-existing medical condition shouldn’t stop you travelling! The most important thing is that you’re honest about any conditions you have. This means when you get a quote with us, the travel insurance should cover your medical condition, so you can relax and enjoy your holiday.”
A little planning can help when travelling with a pre-existing condition. Here's some tips to help you prepare:
If you develop a new medical condition after taking out insurance, you should let your provider know as soon as possible - and definitely before you travel. They might be able to cover you still, but you might have to pay extra.
In most cases, travel insurance includes cancellation cover, so if a new diagnosis means you can no longer travel, your travel insurance might cover your trip costs.
Typically, yes. We’ll ask about any treatments you’re receiving when you’re answering our medical questions in the quote form.
You might also have to declare medications when going through customs or security. This might involve showing a valid prescription or letter from your doctor, so make sure you have those to hand.
Pregnancy isn’t usually considered a medical condition by insurers, so you don’t usually have to declare it. But, you should declare any pregnancy-related conditions like gestational diabetes.
It’s also worth noting that most insurers will only cover pregnancy up to 37 weeks (or 32 if you’re having twins). They also won’t cover routine pregnancy care or planned labour abroad. But, they might cover unplanned labour.
You can read more about travelling while pregnant.
Yes - the GHIC (or EHIC, if you still have one) isn’t a replacement for travel insurance. Although they’re worth having, they don’t guarantee free healthcare.
Travel insurance covers more circumstances than the GHIC, including baggage cover, or travel disruption cover.
It’s also useful to remember that some insurers require you to use a GHIC alongside travel insurance when accessing medical care abroad.
Yes, they can. Common reasons claims are refused include:
We take a look at what the medical cover section of your travel insurance policy covers.
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With roaming charges making an unwelcome return, eSIMs are a convenient option when travelling. eSIMs are non-physical and are embedded into most newer smartphones; meaning you won’t have to put anything physical into your device, it should already be there.
Simply buy your travel insurance, claim your free eSIM, and install it onto your device at the tap of a button. Your eSIM with 2GB of roaming data will kick in on a local mobile network when you get to your destination.
Means you can get one policy that covers everyone, rather than buying individual policies.
Is the perfect policy for those who plan to travel for an extended period.
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