Travel Insurance with Medical Conditions

What you need to know before you go

Family sat in the sun eating lunch around the table at a café

One of the most common concerns when buying travel insurance is about declaring medical conditions, how much it may cost, and what might not be covered. We’re here to provide some answers and useful information on getting travel insurance when you have a medical condition.

Can you get travel insurance if you have pre-existing conditions?

When it comes to travel insurance, pre-existing conditions shouldn’t be a block for taking out a policy. It’s possible to get travel insurance even if you have pre-existing medical conditions, although you do need to declare these when getting a quote for a policy to ensure that you are covered for your condition before you buy. For travel insurance, medical conditions that are pre-existing include any kind of illness or injury that you have before or when you take out your insurance.

When you buy travel insurance you’ll normally be asked questions about your health and if you have any pre-existing conditions. This is to ensure you’re properly covered if something happens while you’re on holiday and you need medical treatment.

Certain medical conditions can cause the cost of your insurance to increase, but it’s important that you make sure you include everything. If you don’t declare your conditions, for some insurers, it could invalidate your insurance, meaning you’ll be left with the bill for any medical attention you needed while abroad.

Don't forget to also keep your insurer up to date with any changes to your health while being covered by your policy (an additional charge may be needed to cover the new condition).

Which travel insurance is best for medical conditions?

The most important thing when choosing travel insurance when you have a medical condition is to make sure the policy provides the right cover for you. Whether you’re looking for travel insurance for diabetics or travel insurance when pregnant for example, it’s never worth saving a little money on your premium to leave out important medical information, as you could end up paying a great deal more if something happens while you’re away.

Occasionally there might be a severe or rare condition that a provider won’t cover for travel insurance, either meaning they won’t pay out for anything relating to that condition, or they’ll refuse the application completely. This doesn’t happen often, but there are specialist insurers that provide travel cover if you’re refused by the main insurers.

What medical conditions are not covered by travel insurance?

Most pre-existing medical conditions will be covered in some form by travel insurers, even if that means increased premiums, but there are situations where you might not be covered. You may not be covered in the following situations:

  • If you’re going through or waiting for tests or treatment of a condition that hasn’t been diagnosed.
  • If you’re travelling despite being advised not to by your doctor
  • If you’ve been told you have a terminal condition, and the prognosis is less than 6 months from your return date

Also remember that if you develop a condition after you’ve already bought your travel insurance, you’ll need to get in touch with your insurer to update your policy, or you may not be covered.