Getting a quote only takes a few minutes. Having the following information ready makes it easier:
When you fill out our travel insurance quote form, we'll ask you questions about your health so we can show you policies that provide cover for you. This is why it's important to answer the questions accurately and honestly. If you have a serious medical condition, we may require more information.
We compare prices from travel insurance companies to help find the right policy at the right price. We'll show you a list of quotes from the insurers who can offer the cover you need based on the information you've given us.
Then all you need to do is read the policy details and make sure you have the right level of cover before you buy.
Yes, as long as you're fit enough to make your trip, it should be possible to buy travel insurance. But make sure you declare your medical condition to your insurer when you buy your policy.
You might find that your insurance costs more if you have a pre-existing medical condition. This is because you're at higher risk of making a claim.
Unless it's a particularly serious condition, you should be able to get a quote. We work with a panel of insurance companies who cover many declared serious conditions.
If for any reason you struggle to get a quote, MoneyHelper has a directory of insurers who cover customers with pre-existing conditions.
You can find the directory of insurers on the MoneyHelper website. Or you can phone the Money and Pensions Service (MaPS) for free, impartial advice on 0800 138 7777.
"A pre-existing medical condition shouldn't stop you travelling. The most important thing is that you’re honest about your condition and any medication when you’re getting a quote. This will ensure you have the right level of cover in place, so you can enjoy your holiday."
Typically, the conditions you need to tell your insurer about are any illnesses or injuries that you've been diagnosed with or referred for investigation for before buying your travel insurance.
This includes:
This isn't a complete list of all the conditions you need to tell your insurer about. So, if you're wondering whether you should declare something, it's best to check.
If you develop a condition after you've bought your travel insurance but before you travel, you should contact your insurer and let them know. This is usually referred to as your 'ongoing duty of disclosure' or a 'change in health'. Your insurance company can clarify whether you're covered or whether your policy needs to be adjusted. You might need to pay more for your cover, but it means you've got the right level of cover for you.
Since travel insurance can be more expensive if you have a medical condition, it's good to know what steps you can take to reduce your costs:
Often the price of your policy is cheaper if you choose to pay a higher excess. But make sure the excess you choose is affordable in case you do need to make a claim. You can choose to see policies with different excess levels on the quotes page.
Add any additional cover that you need for your trip, but think carefully about what you actually need. Don't add extra cover 'just in case' if there's no chance you'll use it, as it will increase the price of your policy.
To get the best price for the cover you need, the easiest thing to do is compare quotes and policies.
If you're planning to take several trips over the next 12 months, you might find an annual policy better value overall. For example, you can get a single-trip policy for Europe from £8.362. But you could get an annual policy to cover all your trips in the year from £13.203. So, even if you're only planning 2 trips in the year, an annual policy might be better value. Bear in mind some insurers only offer single trip policies to those with medical conditions, so you might find there are fewer annual policies to choose from.
A little planning can help when travelling with a pre-existing condition. Have a great holiday with our tips:
We work closely with a panel of 431 trusted UK travel insurers. We compare your details against all of them to show you our best quotes.
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When you get a travel insurance quote, you'll be asked about any conditions you have. This is known as a medical screening. You might be asked for information like:
If insurers need any additional information, they may ask further questions or ask you to speak to your GP.
means you can get one policy that covers everyone, rather than buying individual policies.
is the perfect policy for those who plan to travel for an extended period.
Page last reviewed: 30 April 2024
Reviewed by: Alvaro Iturmendi
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