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Travel insurance with a medical condition

Compare travel insurance to cover pre-existing medical conditions

Compare travel insurance to cover pre-existing medical conditions

Compare travel insurance to cover pre-existing medical conditions

Compare travel insurance to cover pre-existing medical conditions

Update your previous quote
Update your previous quote

Compare travel insurance to cover pre-existing medical conditions

Can I get travel insurance with pre-existing medical conditions?

You can still get travel insurance if you have a pre-existing medical condition, such as cancer or diabetes. However, you may need a specialist policy as not all providers offer cover for pre-existing conditions in a standard policy.

What is considered a pre-existing medical condition?

A pre-existing medical condition is an illness or injury that exists before, or at the time, you take out an insurance policy.

A list of most common pre-existing medical conditions includes:

  • high blood pressure
  • high cholesterol
  • diabetes
  • respiratory problems including asthma
  • joint and bone inflammation
  • chronic illnesses such as cancer or stomach problems

Even non-physical conditions such as anxiety or depression should be disclosed to your insurance provider.

Pregnancy isn't usually considered to be a medical condition. Your insurance should cover you if you have a pregnancy-related emergency abroad, providing you haven't had any complications beforehand, and you're less than 37 weeks pregnant or 33 weeks pregnant with twins. As this can vary among insurance providers, it's advisable to check directly with your provider before you travel.

CORONAVIRUS UPDATE

As of 23rd Match 2020, the UK Government announced a series of restrictions to travel, public spaces and gatherings. For a minimum of three weeks, people are being instructed to stay at home whenever possible. For this reason, travel insurance policies purchased from this date, for trips within the UK with a start date before 13th April 2020, will not be valid.
 
The UK Government also instructed all British tourists and travellers, that are currently abroad, to return to the UK as soon as possible.
 
As of 17th March 2020, the Foreign and Commonwealth Office (FCO) have advised against all non-essential travel abroad for an initial period of 30 days. This means that any travel insurance purchased from this date, for trips outside of the UK with a start date before 16th April 2020, will not be covered by the provider.
 
Coronavirus was declared a pandemic on 11th March 2020, so this may also affect your policy, particularly those taken out on or after that date. Please check any existing policies carefully, to find out what you’re covered for.
 
For more information please see our coronavirus and travel insurance page.

Will an insurance provider approve my application? 

Potential insurance providers will want to know about your medical history, to determine any risk factors when considering covering you. They’ll ask for quite detailed information, so be prepared to answer specific questions about your health, or even take part in a medical screening. If you don't provide honest and accurate information about your medical history, it may invalidate your policy.

You’ll be asked how severe any pre-existing conditions are (or were when you last experienced symptoms) and what medication you took.

It might seem intrusive, but this information helps insurance providers assess the risk factors and build up a picture of how likely you’ll require medical treatment while you’re on holiday.  

Once you’ve disclosed all the required information, a travel insurance provider may:

  • offer cover on standard terms despite your condition
  • refuse to cover the pre-existing condition, but offer to insure you on standard terms for any new issues that may arise while on holiday
  • offer cover with other restrictions or special terms
  • offer cover with a higher excess
  • offer cover that includes the pre-existing condition, but increase the normal premium, perhaps by a significant amount
  • decline your application outright

If you can’t find an insurance provider, then it’s worth contacting a charity connected to your condition as they may be able to direct you to one that will cover you.

How can I find the right cover if I have a medical condition?

One of the best ways to find the right travel insurance, if you have a pre-existing medical condition, is to simply find out what’s out there and compare the offers. Not only will this help you save money, by finding cheaper premiums, but you’ll also be able to compare the features and exclusions of each policy.

It’s vital that you find the right level of protection for you. It’s great to get the cheapest travel insurance, but if you’re not covered for the things that matter, you may as well not have it at all. There’s a lot of information out there, and lots of different options to tailor your policy to your needs.

With Compare the Market, you can simply tell us what you expect to be doing while you’re away, where you’re going, and how long you’ll be gone for. With a few extra questions about your medical requirements, we can bring you a selection of quotes that are suited to you and do not contain any exclusions for medical conditions that have been disclosed. You can then compare the benefits of each, and make the right choice.

Frequently asked questions

Does it matter where I’m travelling to?

Where you’re travelling to could also impact the price of your insurance. 

For example, the following countries all have a high level of private health care, therefore it costs more to receive treatment there. 

As a result, you might find it’s more expensive to get cover if you have a pre-existing medical condition and you’re visiting any of these countries.

To give you an idea of the costs of medical care and repatriation, when a UK traveller recently suffered a stroke in the USA, £768,000 was paid to cover the medical costs, including £60,000 for an air ambulance back home.

Your travel insurance won’t cover you if you are travelling to a country that the Foreign & Commonwealth Office (FCO) doesn’t consider to be safe. If you’re not sure, check the FCO website.

Do I need to know the types of medications I am taking?

While you’ll need to inform insurance providers of any pre-existing medical conditions, you won’t need to tell them about specific medication that you’re taking.

What happens if I don’t declare a medical condition?

If you don’t declare a pre-existing medical condition, when applying for travel insurance, your policy will likely be voided if you make a claim for anything related to that condition.

When applying for cover, you’ll usually be asked a series of medical questions, and possibly invited to a medical screening. It’s best to be as accurate and honest as possible, to avoid more serious issues later on.

Do I still need travel insurance if I have an EHIC and am going to Europe?

A European Health Insurance Card (EHIC), is not a substitute for travel cover. 

It will only provide you with the same state healthcare as the locals; it won’t pay for repatriation and it won’t cover specialist treatment or stays in private hospitals.

Be aware, that it’s valid in most but not all European countries, such as the Channel Islands, Monaco, San Marino and the Vatican.

If you’re going outside the EU there’s no EHIC, of course, so it can be expensive to get medical support. However, we do have reciprocal agreements with Australia, New Zealand, Barbados, the British Virgin Islands and others.

Where can I find a good deal on travel insurance?

Looking for travel insurance, even with a pre-existing medical condition, is easier when you search with us. Just tell us a bit about yourself, where you’re off to and how long for, and we’ll do the rest. Don't forget, it's sensible to organise your travel insurance as soon as your holiday is booked, in case of cancellation, and it also means you're not trying to find insurance at the last minute, particularly if you have a pre-existing condition.

We have a wide range of providers on our panel that can provide an online quote for the majority of customers with pre-existing medical conditions, as well as specialist providers that are able to provide an offline quote to those with extreme medical conditions (terminal conditions).

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