Travel insurance existing medical conditions

Recommended Insurance Companies for Pre existing medical conditions

This is one of our most frequently asked questions on the Facebook Group, so below are our members recommendations for Insurance companies that will cover pre-existing medical conditions. Travel Insurance existing conditions.

Brexit and insurance - updated 6th January 2019 

For people visiting the EU, we recommend buying travel insurance to ensure you can travel safely. You should make sure you understand the terms and conditions of your travel insurance policy, and that the policy is sufficient to cover possible disruption. The FCO has guidance on what your travel insurance policy should cover.

If you already have travel insurance to cover your trip, your insurer should let you know if there will be any changes to the way your policy is serviced that will affect you after the UK leaves the EU. If you have questions about what your travel insurance policy covers, or whether the policy is sufficient to cover possible disruption, you may wish to contact your insurer.

You may need extra travel cover if you’re over 65 or if you have a pre-existing medical condition.

Please note all the companies below also do "normal" travel insurance policies.

What is a ‘pre-existing medical condition’?

Travel insurance existing conditions

This term covers a lot – from allergies to broken bones.

Different insurance companies have different definitions, but your insurer is likely to consider any of the following as a pre-existing medical condition:

  • Any condition you are waiting for an operation on
  • Any condition that you’re currently awaiting test results for
  • Any condition, even a minor one, that you’ve seen a doctor about in the last year
  • Any serious condition – cancer, heart trouble, respiratory problems – you have ever had

They will also want to know if you’re currently taking any medication.

You might also be asked whether any of your relatives or close business colleagues have medical conditions – even if they are not travelling.

(If they do and you have to cancel your trip because of their condition, you will probably not be covered.)

You’ll need to declare all pre-existing medical conditions when buying travel insurance.

If you’re not sure whether to declare, don’t assume it’s covered, always ask your insurance company.

Otherwise you risk having your claim rejected.

Some policies will not cover your medical condition.

Others will give you cover but charge extra for it.


All Clear Travel Insurance




Covered to Go

Cover Wise 



Free Spirit

Get Going

Insure and go

Insure With

Just Travel 

LV Insurance

NOW travel


Penguin Insurance

Puffin Insurance



Top Dog Insurance


And for EXPATS in Spain - Polifani 

What to watch out for when buying travel insurance covering your medical condition

If you’re buying online, most insurers will ask you to call a number or fill out a form giving your medical history.

Always call if you are unsure about anything.

  • Check whether any medical equipment you’re taking with you is covered.
  • Make sure you get a 24-hour helpline to call in case of a medical emergency abroad.

How to get the best deal on travel insurance for over 65s

  • Depending on how often you travel you might want to consider a multi-trip ‘annual’ travel policy as these policies could work out cheaper in the long run.
  • If you’re taking a cruise, a cruise policy might work out cheaper than a single trip policy – and can have higher age limits than standard insurance.
  • If you’re having trouble finding a policy you might get cover if you have a premium bank account that offers free travel insurance. Check the age limit and that it covers pre-existing medical conditions. Just make sure the annual charges on the bank account don’t add up to more than the cost of a travel insurance policy.
  • Do some thorough research online – don’t just head to comparison sites as many travel insurers don’t use them and you might not be able to get quotes if you have existing medical conditions.

For more information on taking out the right type of insurance also read this page "Choosing the right travel insurance"

Many people think just having an EHIC card is enough cover, this is far from the case, find out exactly what the EHIC card covers you for HERE 


Many travel insurers have now suspended the sale of new policies entirely.

Only a limited number of insurers are offering policies that cover COVID-19 check out:-

Rush Insurance Underwritten by Travel Insurance Facilities Group 

Travel Insurance

Staysure (no travel disruption extension for new customers, but emergency medical treatment for coronavirus is covered) 

Trailfinders (cover for some coronavirus-related cancellation and medical expenses)

Santander (cover for some coronavirus-related cancellation and medical expenses)

Battleface Insurance ( new policy will give travellers the peace of mind they have been looking for. including to countries currently advised against traveling to by the UK Foreign & Commonwealth Office (FCO) for travellers up to and including age 59, includes cover for medical expenses caused by or resulting from COVID-19)

SAGA (emergency medical cover) are among providers who do.

Nationwide -  cover if your destination restricts its borders before you travel for reasons relating to the pandemic

AllClear - If the FCO changes its advice before you travel

Allianz Assistance - worth checking out

Hays Travel - The new cover, which will be offered as standard to customers through Rush Insurance Services and Allianz Insurance, will include provisions for cancellation or curtailment of holidays, emergency medical expenses and repatriation due to Covid-19 or other epidemics and pandemics. The insurance will also cover cruise holidays when clients are confined to their cabins or if they miss port calls and pre-paid excursions.

If you have a trip booked for later in the year but do not have insurance, you might consider looking for a policy to provide cancellation cover for a reason other than a coronavirus-related issue, such as bereavement or divorce.

However, you would need to scrutinise the policy wording to check what cover was provided and confirm your understanding with the insurer before buying. You would also have to consider the fact that you might not be able to undertake the trip anyway because of the pandemic restrictions, in which case you would not be able to claim.

If you’re diagnosed with coronavirus before you are able to get home to the UK, you will need to seek medical treatment first. If you fall ill, tell your insurer immediately and they will advise you of your options.

As far as travel insurance is concerned, your situation will depend on where you are, what treatment you receive and your medical prognosis.

Insurers are responding differently to the situation as it develops, so you’ll need to ask them for advice and support.

What if I contract Coronavirus whilst abroad?

If you fall ill in Europe, your European Health Insurance Card will entitle you to treatment on the same terms as a local citizen (this will remain the case at least until the end of the Brexit transition period, which runs until 31 December 2020).

If you are further afield, your travel insurance should meet any medical expenses you incur, provided you did not ignore government travel advice. You may also be able to claim for additional expenses incurred because of your prolonged stay overseas, such as bed and board for other members of your party.

If you are placed into quarantine abroad, you may also be able to claim for out-of-pocket expenses, but as ever, you’ll need to check with your insurer.

Travel insurance existing conditions


0 # Eleanor Leigh 2019-02-16 15:32
Just letting people know about travel insurance esp with certain medical ailments .I have checked quite a few this morning some really good prices however when reading the small print even though you are asked to declare your medical history leading you to believe that you will be covered for your ailments the small print says your not .I for one am not willing to chance it .I want to get home if I need to above or below stairs on a plane ,plus if you arn't covered for your illnesses then there is no point in having the insurance in the first place.Insurances are well known for get out clauses .Happy Holidays xxx
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0 # Jean Dormand 2018-10-09 22:04
I’ve just spent a frustrating afternoon trying to renew my travel insurance. I was insured with All Clear bought through Payingtoomuch. All clear quoted over £500 for an annual multitrip and £262 for a single trip of 11 nights! I decided to phone LV who we have our car and house insurance through and was quoted £289 for a multi trip policy for both of us. We are both the wrong side of 70 so expected it to increase but not to double the price. I got discount from LV because of having our other insurances with them. Just pleased we got insurance as holiday booked today.x If you are under 70 you can get reasonable insurance but I posted this for folk who are 70 plus and getting ridiculous quotes.x
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0 # Jean Dormand 2018-09-04 15:08
We have been with All Clear for 2 years but got it through Payingtoomuch as it was £100 cheaper than buying it through All Clear direct. The only problem is next year when we are out of the EU the EHIC may not be valid and All Clear only insure for public hospitals and clinics not Private ones.x
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0 # Cath Gibson 2018-09-03 23:46
We used aviva
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0 # Ronnie Scott 2018-08-22 21:28
Dont rely on your EHIC card alone you will get free treatment in local Spanish Healthcare Hospital. What you wont get without insurance,is that you wont get brought home if your illness is serious,you wont get allowed for anyone having to stay with you,you wont be allowed for accommodation or flights when you are discharged from hospital. If the worst happens you family will have to pay to bring your remains home.Anyone who advises you to go without insurance is being very short sighted.
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0 # Julie Marsh 2018-08-22 18:00
I use compare the market use the cheapest . As long as it gets me home in an emergency and covers medical bills. My house insurance covers luggage. If you have ehic. You're OK . mum has health issues plus she's 84. Have her on mine. I was quoted silly prices but this time in December using go travel and it's only £80 for us both. It will all change with Brexit. Should imagine. Not even booking for next year till I know xx
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0 # Jean Dormand 2018-08-22 17:58
A lot depends on age too. Once you are over 65 the prices rise dramatically even if you have the same conditions.x
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0 # Dennis Sinned 2018-08-22 14:50
Just had an insurance quote for me and the wife, with on going medical conditions, single trip by good to go . com for 366.28 pounds.
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