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Medical travel insurance

Compare prices for travel insurance with a pre-existing condition

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Compare holiday insurance quotes from 35 trusted UK providers**

We’re dedicated to finding you a great deal on your travel insurance, that's why we compare deals from 35 leading travel insurance providers, including:

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*Based on an individual aged 30 taking single trip cover for 3 days to France. Cover starts on 12th September 2022 and ends on 15th September 22. Equivalent to £1.73 per day.

**Accurate as of January 2023

Do I need medical travel insurance?

Travel insurance covers you for all sorts of mishaps and disasters when you’re on holiday. From lost luggage to cancelled hotels and flights – as well as any medical expenses you incur – travel insurance could save you from a hefty bill if it all goes wrong.

Travel 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 already experiencing a health condition.

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.

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How does travel insurance for pre-existing conditions work?

Taking out travel insurance with a medical condition can make the process a little bit longer. You will be asked a serious of questions about your health, your condition and your medical history so your insurance policy can be as accurately tailored as specific to your needs as possible.

Depending on your specific condition, you may also be asked to complete a medical exam.

It is important to be as honest as you possibly can. If there are inconsistencies with the information you have disclosed, you may find that your policy will get invalidated or any further claims can get rejected also voiding your policy. This means that should you need any medical attention while you are on holiday, you will have to pay for all the fees yourself.

Depending on the results of your medical exam or questionnaire, we will provide you a list of insurers and policies you may be eligible for. This will often consist of policies that will exclude your listed condition or charge you a higher premium to include cover for it in your policy.

It's important to note that the insurance provider with the highest premium isn’t necessarily the best specialist one for your condition.

Why compare travel insurance with MoneySuperMarket?

At MoneySuperMarket, we’re here to make sure your holiday planning is as easy as possible. Here’s what you’ll get:

  • Deals tailored to you

    We search through some of the leading insurance providers out there, so you can easily find the cheapest deal that gives you the cover you need.

  • Best coverage for you

    You may be asked for additional questions or a health check to ensure your insurance policy best suits your needs.

  • Highly rated

    Thousands of happy holidaymakers say they’d use our services again* – so why not try it now and see how much you could save?

We're 100% independent, working only for our customers

Unlike some of our competitors, MoneySuperMarket is not owned by an insurance company. So we can offer the best value, with savings delivered straight to you.

By combining independence with our excellent technology, we can negotiate the best prices and the best value on products and services.

of our customers would buy again
based on 16,834 reviews

Pros: Easy to use very helpful and detailed
Pros: Easy to use and very competitive travel insurance with the benefits of policies at twice the price on other sites. Cons: No, don’t think so.
Pros: It was fast and pain free Cons: no

What is considered a pre-existing medical condition?

Pre-existing medical conditions are usually defined as an illness or injury you had before or when you take out a travel insurance policy. This includes physical conditions such as cancer, diabetes or respiratory issues, as well as non-physical conditions such as anxiety and depression.

Is pregnancy a pre-existing medical condition?

Insurers don’t usually categorise pregnancy as a pre-existing condition, and you should be covered for medical emergencies related to your pregnancy so long as you haven’t had any prior complications.

You may not be able to travel if you’re more than 37 weeks pregnant – though if you’re having twins or triplets the limit may be different. In any case, it’s best to check with your insurance provider directly to make sure you’ll be covered. 

What does travel insurance with pre-existing medical conditions cover?

  • What am I covered for?

    Aside from medical expenses related to your condition, your travel insurance should also cover the same things as a standard policy – including:

  • What conditions can I get covered?

    Some of the most commonly declared pre-existing medical conditions include:

    • Chronic illness, including cancer

    • Crohn’s disease

    • Circulatory problems, including stroke and high blood pressure

    • Heart conditions

    • Respiratory issues, including asthma

    • Diabetes

    • Cystic fibrosis

    • Back pain or joint problems

    • Allergies

    • Psychological conditions

Angela Dove

Our expert says


You’ll still be able to find travel insurance if you have a pre-existing medical condition, such as cancer, diabetes or a history of heart problems – but it’s important to declare it beforehand. This way your insurer is fully aware of the cover you need, so you’ll be able to claim for medical treatment if your condition flares up while you’re away. When you answer the questions we ask about your medical history, it will become clear whether you need to declare anything – and MoneySuperMarket also has a live chat service to help you if there is anything you’re unsure about.

- Angela Dove, Travel Insurance Expert

How to compare travel insurance quotes for medical conditions

  • 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

  • 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

  • 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

How to get a cheaper medical travel 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:

  • 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

  • Buy in advance

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

  • 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

  • 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

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.

UK residents can still use a valid European Health Insurance Card, or the new replacement – the Global Health Insurance Card (GHIC) in EU countries to access free or low cost state emergency healthcare. This arrangement will continue even though the UK is not part of the EU. The EHIC/GHIC is free and can be obtained through the NHS website. But the EHIC/GHIC is not as comprehensive as good quality travel insurance so holidaymakers should have both. The EHIC does not cover treatment in private hospitals overseas and it doesn’t cover repatriation costs, for example.

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

If you have a pre-existing medical condition you should still be able to find travel insurance, but you might need to take out specialist cover as not all standard policies will offer the right level of protection. 

Your destination is a major factor that travel insurance providers consider, and it can be particularly important if you have a pre-existing condition – for two main reasons:

  • Medical treatment costs: The cost of medical treatment in some countries, such as the USA, can be very expensive, so you may need to pay more for cover

  • Local diseases: Some areas also carry high risks of disease – for example, malaria in tropical countries 

If you need medical treatment while you’re abroad, you should contact your insurer as soon as possible and get them to agree coverage of any treatment before you receive it. However, this may not be possible if you’re in a medical emergency.

You may be required to pay up front for your treatment – in this case you’d claim back the cost when you get home, so remember to get a receipt for any medical costs you pay.

If you develop a condition after buying travel insurance you should tell your insurer as soon as you can. They may have to adjust your policy, and it could affect the overall price you pay – but better this than voiding your policy completely. 

If you’re waiting for a diagnosis for a medical condition you shouldn’t take out travel insurance until after you’ve received the diagnosis. 

Terminal illnesses will still be classed as a pre-existing condition, and whether or not it will be covered will depend on your insurer.

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