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Medical travel insurance

Compare travel insurance for pre-existing medical conditions

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Coronavirus travel update - 09/04/20

We have sadly had to suspend our travel insurance comparison service.

Due to the ongoing coronavirus (Covid-19) pandemic, the Foreign and Commonwealth Office (FCO) is now advising against non-essential international travel for an indefinite period.

If you ignore these warnings and travel to an affected area then your insurance will likely be invalid.

You can check the FCO and the government website where you’ll find up to date information on countries hit by the virus, and their latest travel advice.

We want to make sure that our customers don’t buy insurance policies for a time in the future when travel is still restricted. That’s why we have suspended the service.

If you have some questions about a travel insurance policy that you already have, you can find contact information for the providers we compare.

For more information on how the coronavirus could invalidate your travel insurance read our guide.

As soon as the situation changes, we’ll be able to offer you the best travel insurance deals. Until then, stay safe and see you soon.

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 2014, 46% of people bought travel insurance less than a week before going away and 6% bought on the 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)
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