Travel cover
for pre-existing medical conditions

Compare travel insurance that could cover pre-existing medical conditions

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Looking for travel insurance with medical conditions included?

If you or any of your travel party have a pre-existing medical condition, you can find an insurance policy that offers suitable cover by declaring this during our quote process. Taking out a policy that covers you for pre-existing conditions means that if you fall ill while on holiday and need emergency treatment or hospital care related to your condition, subject to the conditions of the policy and any excesses, the cost would be covered.
Some common 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)

Many standard travel insurance policies exclude those with an existing condition such as those listed above. 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 in any way to an undisclosed condition, 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.

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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