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Travel Insurance

Compare travel insurance with a pre-existing condition from 40+ brands

Holiday insurance for pre-existing conditions

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Travel insurance with a pre-existing condition

Travel insurance is vital for any holidaymaker and if you suffer from a medical condition, you’ll know from experience that the peace of mind it gives you is even more important. But because medical costs are the most expensive type of claim people make on their travel insurance, premiums tend to be more expensive for people with health conditions.

The affect your pre-existing condition will have on the price of your travel insurance depends massively on what it is, but in general the more severe the illness or disability, the more you’ll be asked to pay.

Customers with more serious medical conditions

We can show you prices from a panel of specialist medical insurers that cover many pre-existing medical conditions, so it’s worth getting a quote

If you're struggling to find suitable cover, the Money and Pension Service (MaPs) also provide a list of specialist insurers on the MaPs directory website, or you can call the British Insurance Brokers Association on 0370 950 1790.

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How to compare travel insurance quotes for medical conditions

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It doesn’t take long

Give us details on where you’re going and what you’ll be doing, and a little about your medical, condtion and you’ll be able to compare travel insurance quotes

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We’ll search for savings

We’ll show you which travel insurance quotes are the cheapest along with info on claims experience, a quality score and cover level, as well as any extras you may need

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Get covered

Once you’ve found a policy that suits your medical and travel needs, you can call or click through to apply for your insurance policy directly with the insurer

What does travel insurance cover?

Travel insurance covers you in a range of unfortunate situations, including:

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    Cancellation & delays

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    Personal liability

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    Medical expenses

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    Lost baggage

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    Emergency assistance

How to get a cheaper insurance quote

The cost of your travel insurance will depend largely on where you’re going, what you plan on doing and the severity of your condition. As you would expect, the more adventurous you’re being and the longer you’re away are key considerations. There are things you can do to reduce the cost of your quote, however:

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Shop around

Comparing quotes from a range of providers lets you find the best deal at the best price, with the add-ons you need

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Buy in advance

The longer you leave it to buy travel insurance, the more it costs – and you won’t be covered for cancellations

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Get multi-trip cover

If you plan on travelling three or more times in 12 months, an annual policy will likely work out cheaper over all

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Pay more excess

Asking for a higher excess fee tells insurers you’re less likely to claim, so they’ll reward you with a lower premium

Which travel insurance brands do we work with?

We compare over 40 of the biggest insurance providers in the country, including:

company logo for Bootscompany logo for Admiralcompany logo for RAC insurancecompany logo for insure and gocompany logo for esurecompany logo for PO ferriescompany logo for Sainsburys bank

How it works: Medical screening and risk factor

When searching for an insurance policy that covers pre-existing medical conditions you will be asked in-depth questions and to submit detailed – and sometimes very personal – answers. 

This is unfortunately necessary, so the insurance company can tailor your policy to your specific needs and determine any risk you may impose.

If you don’t declare a medical condition, no matter how minor, claims you make could be rejected, forcing you to cover costs yourself. It may be tempting to withhold certain information in order to obtain a cheaper premium, but in the event of a claim your insurer can access your medical records.

Once you have answered all relevant questions there are a number of potential outcomes:

  1. You get a standard travel insurance policy
  2. You get insurance, but without medical cover for your condition
  3. You get insurance at a higher price
  4. The insurer imposes certain exclusions, terms or higher excess payments
  5. You are refused insurance

Common medical conditions

  • Chronic illness, including cancer
  • Circulatory problems, including high blood pressure
  • Respiratory issues, including asthma
  • Diabetes
  • Back pain or joint problems
  • Allergies
  • Psychological conditions

Our expert says

""When taking out holiday insurance, try to think about your medical history. If you fail to mention a condition that insurers need to know about, then any claim you make is much less likely to be paid out. "If you answer the questions we ask about pre-existing medical conditions, it should become clear whether you need to declare anything to your insurer. MoneySupermarket also has a live chat service in case there is anything you are unsure about.""

- Helen Chambers, head of travel insurance

A pre-existing medical condition can be any kind of illness, disability or injury that you have suffered from when or before you take out your travel insurance policy. 

It can also mean acute or chronic conditions you’ve recovered from and been given the all-clear such as cancer, or high blood pressure and cholesterol.

Even though it’ll probably cost you a little more, it’s a good idea to inform your insurer of any condition you are currently suffering from or receiving treatment for – even minor conditions like mild asthma and depression, or recovery from an operation. If you don’t, you run the risk of having your claims rejected.

If you go on holiday with a standard travel insurance policy and don’t inform your insurer of your medical circumstances, there’s a very real danger that any claims you make – especially those of a medical nature – are rejected. The worse the condition, or the more directly it is involved in claims you make, the more chance there is that your insurer will investigate your medical records and reject your claim.

In a standard travel insurance policy, £5m is considered a decent level of cover for medical expenses. For most people this will be enough to cover treatment for pre-existing conditions, but policies for people suffering from the most complex or severe might have a higher threshold – for a higher price.

Your travel insurance is likely to be approved in all but the most serious circumstances, though there’s a good chance you might have to pay more than the average traveller. 

If your condition is mild or well managed, you may not see any bump in premiums at all.

The UK has now left the European Union, and entered a transition period due to end on December 31, 2020. Until then. European Health Insurance Cards should still work - but it's still worth taking out additional cover when you travel. 

Defaqto is a company which rates and compares the quality of various financial products, awarding them a star rating out of five according to their features and delivery. A four- or five-star rating is a decent guarantee that a particular insurance policy will be right for you

Can't find what you're looking for? Try looking at our news, views and in-depth travel insurance destination guides

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