Travel insurance for mental health

Travelling with a mental health condition is possible, and with the right preparation you can feel more confident, supported and in control of your plans.

Can you get travel insurance with mental health conditions?

Yes, you can.

Having a mental health condition doesn’t have to hold you back from getting travel insurance. Many insurers provide cover for people living with mental health conditions, so you can travel with confidence and enjoy seeing the world.

Really, it just means a few extra steps when you get a quote. You can let us know about your mental health condition, and we’ll show you policies from insurers that can provide the cover you need - but don’t worry, we’ll explain the ins and outs a bit further down in the guide.

What does mental health insurance cover?

Mental health travel insurance is just like standard travel insurance - but it’s tailored to your needs, so you get the right support while travelling.

That usually means coverage for things like:

• Emergency medical treatment while you’re abroad
• Cancellation or curtailment cover if you can’t travel for a covered reason
• Baggage cover for lost, stolen or delayed baggage or personal items
• Travel delays or disruption insurance
• Personal liability if you accidentally injure someone or damage their property

On top of this, your cover can be tailored to your situation. This might include extra support related to your mental health condition, for example, if it affects your trip or you need treatment while travelling.

Policies can differ between insurers, so it’s worth checking the wording carefully before you buy. That way, you can feel confident your cover is right for you and that support will be there if you need it.

How do I declare my mental health condition?

You can declare it when you get a quote with us.

When you fill out the quote form, we’ll ask about any pre-existing conditions, including mental health conditions. This is just so we can show you policies that suit your situation and give you confidence to travel, knowing support is available if you need it.

What information will I be asked to share with my insurer? 

We’ll ask about your mental health and recent medical history, and sometimes insurers may request a bit more so your cover fully reflects your needs.

Including all relevant information is important. Missing anything could affect your cover or any claims, so giving the right details upfront helps you feel reassured that your policy can support you while you’re away.

What to consider when travelling with a mental health condition

Planning ahead can make your trip feel smoother and less stressful. Here are a few things to keep in mind:

• See a healthcare professional before you travel: Pop in for a check-up with your GP or specialist. They can make sure your meds are good to go and give tips on managing symptoms while you’re away.
• Keep medications and documents handy: Carry your medication, prescriptions, and any medical letters in your hand luggage so you’ve got them close by.
• Bring enough medication: Pack enough for the whole trip - and a little extra just in case of delays. It’s one less thing to worry about.
• Adjust for time zones: If you’re travelling across time zones, check with your healthcare professional about adjusting your meds so your routine stays on track.
• Share your plans with someone you trust: Let a friend or family member know your itinerary - it’s nice to have someone aware of your plans for extra reassurance.
• Know how to access healthcare abroad: Look into what support is available where you’re going. Feeling prepared can make a big difference if anything comes up.
• Arrange travel insurance early: Get your cover sorted before you travel. That way, if plans change or something unexpected comes up, you don’t have to worry about being out of pocket.

If you’d like a bit of extra support or reliable guidance while travelling with a mental health condition, these trusted organisations can help: