Travel cover
for pre-existing medical conditions

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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

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 2014, 46% of people bought travel insurance less than a week before going away and 6% bought on the day! ( 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)’s Travel Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.
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