Medical Condition Travel Insurance
Cover Offered
Single Trip, Multi-trip, Over 50's, Cruise, Pre-Existing Conditions, Golf
Online Discount
15%
Medical Expense
Up To £10 Million
Special Features
Specialist Medical Travel Insurance tailored to suit you from the UK's most trusted travel insurance provider*. 99% of global destinations covered and 95% of claims paid out in the first 5 days
Cover Offered
Single Trip, Annual, Backpacker, Winter Sports, Cruise, Pre-Existing Conditions
Online Discount
N/a
Medical Cover
Up To £10 Million
Special Features
Medical travel insurance specialists offering full cover for people travelling with existing medical conditions. Cover for 1000's of conditions including cancer, ms, ibs, alzheimer's, hiv and pregnancy.
Medical Condition Travel Insurance
If you have a pre-existing medical condition, travel insurance may be slightly harder to obtain and slightly more expensive.
However, medical condition travel insurance is available, it just takes a little shopping around to find the best deal. Our free travel insurance comparison tables will help you find medical condition travel insurance quotes. You can:
- Compare different levels of cover
- Check out online discounts
- Apply online quickly and easily
Use the table above to compare travel insurance deals for people with existing medical conditions.
Why do I need travel insurance?
Why do I need travel insurance?
It’s very easy to get so caught up in planning your trip that you neglect to buy travel insurance – or just buy the first no-frills policy you can find, which isn’t much better. After all, none of us like to think about something going wrong on our travels. But here are few good reasons why you should always take the time to buy an appropriate travel insurance policy before you set foot on a plane:
- Your flights could be delayed or cancelled: This may not be a life-or-death situation, but it’s still a major irritation – no one wants to have to hang around an airport for longer than is absolutely necessary. Many policies will compensate you if your flight is delayed for a certain length of time, or if it’s cancelled altogether.
- You could become ill and need to go to hospital: Living in the UK with the benefit of NHS treatment, it’s easy to forget that much of the world’s healthcare systems operate on a pay-as-you-go premise – so if you need hospital treatment while on holiday and you don’t have adequate travel insurance, you could find yourself being discharged with a very large bill to pay. For example, if you break your leg while on holiday in the USA, your treatment could cost you a small fortune.
- You could have an accident: If you’re planning on going skiing, snorkelling or skydiving, remember that many standard insurance policies won’t pay out for accidents that occur while taking part in ‘high-risk’ activities like those mentioned above. You will usually need to buy extra cover for these kinds of activities.
- You might need to cancel your trip at short notice: If a family emergency or illness arises just before you’re scheduled to depart, you could stand to lose a lot of money if you need to cancel or postpone your journey. Check that your insurance provider covers you for as wide a range of cancellation reasons as possible.
- Your possessions might get stolen: From major thefts to pickpockets in tourist hotspots, the risk of your money or belongings getting taken is a very good reason to ensure you’ve got the cover you need before you leave.
- Your baggage might get lost or damaged in transit: Bags ended up in Tunisia rather than Toronto? Or has your suitcase arrived off the plane looking decidedly worse for wear thanks to careless handling in transit? A comprehensive travel insurance policy may mean you’ll be covered for these situations.
What’s covered by travel insurance?
What’s covered by travel insurance?
The Foreign Travel Commission advises taking out a travel insurance policy that offers:
- Medical and health cover for an injury or sudden illness abroad – with a minimum of £2m
- 24-hour emergency service and assistance – useful if you get stranded
- Personal liability cover – in case you damage something or injure someone and are sued
- Lost/stolen possessions cover – look for a policy that covers both scenarios
- Cancellation and curtailment cover – essential if you need to cancel or cut short your trip due to an unforeseen emergency at home
- Terrorism – this is now covered by the majority of travel insurance policies, but check before you buy
What’s not usually covered by travel insurance?
What’s not usually covered by travel insurance?
The following are usually excluded from standard travel insurance policies:
- Incidents related to drink or drugs
- Incidents in which you have not taken reasonable care of your belongings – in the eyes of the insurance provider, you have a responsibility to do your best to ensure the security of your possessions or you won’t be covered
Types of travel insurance
Types of travel insurance
- Single trip – This will cover you for one trip, and is most cost-effective if you’re only planning on going away less than 2-3 times in a year.
- Annual multi-trip – If you’re a frequent traveller, annual cover may be more cost-effective. This will usually cover you for an unlimited number of trips in a year, up to a maximum duration per trip (usually around a month)
- Gap year/backpacker travel insurance – If you’re travelling for between three months and a year, you are likely to need specialist backpacker or gap year insurance, which is offered by many providers.
- Winter Sports/Hazardous activities cover – You’ll need to take out extra cover for activities that are commonly excluded from standard policies – if you’re going skiing, bungee jumping or mountaineering, look for a policy that covers hazardous activities.
- Specialist cover – if you have a pre-existing medical condition or are over a certain age, you’ll often need to find a specialist travel insurance provider. Cover may be more expensive than standard because you’re deemed a higher risk by the insurance company.