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Mental Health Travel Insurance Guide UK 2024

Mental health conditions are very common in the UK but can be misunderstood even now. Some insurers sadly still don’t have a good knowledge of mental health, and this can make getting insurance cover frustrating.

Specialist mental health travel insurance can allow to relax on your holiday, knowing you are well protected. Travel insurance can help in a range of situations, preventing financial losses due to lost items, cancelled flights and more.

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60-Second Summary – Mental Health Travel Insurance Guide UK 2024

Specialist mental health travel insurance policies will protect you financially if anything goes wrong while you are travelling. You will be able to claim for various unexpected events including lost luggage, missed departures and even lost medication.

  • There are a wide range of mental health conditions and each one will have different symptoms and affect every person differently. While you can apply for mainstream travel insurance, a specialist policy will usually be cheaper and offer better cover, especially if your symptoms are more severe.
  • Our specially chosen travel insurance partners can find cover for most mental health conditions including conditions like depression, anxiety, OCD, PTSD, bipolar disorder and schizophrenia.
  • It may be tempting to not mention your mental health condition when you apply for travel insurance. However, if you do this you risk your policy being invalid and your provider could refuse to pay out on any claims.

Can you get travel insurance for mental health conditions?

YES – You usually should be able to get travel insurance even if you have a mental health condition.

It is always best to apply to a specialist medical conditions travel insurance company. Other insurers might ask questions that are vague and can lead to paying more or not getting cover at all. Many are also not as likely to be well trained to handle questions surrounding mental health. This could make the application process more difficult or upsetting than it needs to be.

Does travel insurance cover mental health?

Standard travel insurance won’t cover mental health conditions. Pre-existing conditions aren’t covered automatically, so a specialist policy will normally offer you a better level of cover.

Do I need to disclose mental health conditions when applying for travel insurance?

We would always recommend disclosing pre-existing mental health conditions when applying for travel insurance. You don’t have to but if for example you needed to cancel your holiday due to your mental health, this wouldn’t be covered by your policy.

Mental health conditions may not be visible, but they can have a big impact on your life and make travelling more difficult. If you need treatment while away or need to cut your trip short, mental health travel insurance can help prevent losses of hundreds of £s and give you peace of mind.

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Travel insurance covers you for various things that could happen unexpectedly while you are on holiday. This includes events such as:

  • Losing a valuable item
  • Lost baggage/hand luggage
  • Emergency medical treatment
  • Flight delays or cancellations

Medical travel insurance policies will also provide extra cover for:

  • Lost or stolen medication
  • 24/7 medical assistance
  • Hospitalisation
  • Repatriation to the UK (if needed)

Our excellent travel insurance partners can help find cover for people with a wide range of mental health conditions including:

  • Depression
  • Anorexia
  • Anxiety
  • OCD
  • Panic attacks
  • PTSD
  • Tourette’s Syndrome
  • Stress
  • Bipolar disorder
  • Schizophrenia

You can tailor your cover to your destination, the type of holiday (e.g. cruise cover) or even the activities you plan on doing while away.

How much does mental health travel insurance cost?

Travel insurance is the best way to save money on holiday, as the cost of replacement flights or emergency medical care could be very costly if something goes wrong. Travel insurance is usually fairly cost effective as well, particularly if you get proper advice before applying.

The cost of travel insurance can vary for a number of reasons. Firstly, insurers will consider:

  • The length of trip
  • Type of travel cover (single trip or annual)
  • Type of holiday
  • Destination (e.g. Europe or Worldwide)

If you have a mental health condition, insurers may also want to know:

  • When you were diagnosed?
  • If you have been hospitalised due to your health?
  • Are you on any medications to treat your condition?
  • Severity/frequency of symptoms
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It is a good idea to speak to a travel insurance expert who can help you find the best cover for your next holiday. There are a few types of travel insurance, and some will be better suited to certain people compared to others.

Your main choices are:

  • Single trip cover: covers one specific trip, can be a lower cost option if you only have one holiday planned
  • Annual travel insurance: will cover multiple trips within 12 months, can be a good choice for those who travel frequently

Your mental health shouldn’t affect which countries you can travel to. The nature of specialist cover means that your travel insurance won’t limit your destination choices either.

Our travel partners can find both worldwide and domestic travel insurance for mental health problems at prices to suit you. You should always consider where you are travelling to when deciding how much cover to take out.

Are there age limits with mental health travel insurance?

Our brilliant and carefully selected travel partners can find the best travel insurance for people with mental conditions – plus NO AGE LIMITS. Your age and your health shouldn’t prevent you from getting the travel cover you need to protect your holiday.

Simply fill in a few details about your trip and complete a quick medical screening and the travel experts will send over your personalised quotes.

Compare mental health travel insurance quotes

According to Mind, around 1 in 6 people in the UK report experiencing a mental health problem (such as depression or anxiety).

If you are worried your mental health will prevent you getting travel insurance, you can speak to an expert for advice and support. This is the best way to compare specifically tailored travel insurance quotes to protect you and your trip.

1. Call and talk to a medical travel insurance specialist

Someone who is familiar with mental health travel insurance is best placed to find you the cover you need at an affordable price.

CLICK HERE to get your online mental health travel insurance quotes

2. Answer a few questions about your mental health and your trip

You will be asked about your destination, length of trip etc. You will also be asked a few questions about your health, to help find the policy with the right level of cover.

3. Receive tailored mental health travel insurance quotes

Frequently asked questions about mental health

What are the 7 most common mental health conditions?

The most common mental health conditions are:

  • Depression
  • Anxiety
  • Obsessive Compulsive Disorder (OCD)
  • Bipolar disorder
  • Schizophrenia
  • PTSD
  • Personality disorders e.g. borderline personality disorder

Is travel good for mental health?

Going on holiday can be good for your mental health, allowing you to relax and explore other destinations.

Can you travel with mental health conditions?

YES – Your mental health shouldn’t prevent you from travelling if you wish to.

Do I need to tell travel insurance about my mental health?

YES – You should always disclose any pre-existing conditions when applying for travel insurance.

This allows you to get the right level of cover to protect you if you need to cancel your holiday for health reasons.

Useful resources

Gov.uk – Mental health and wellbeing abroad

CDC – Mental health and travel

Gov.uk – Foreign travel insurance

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What does Martin Lewis say about travel insurance?

Martin Lewis provides lots of guidance for holidaymakers who are searching for the best deals on their travel insurance. One of the biggest recommendations from Martin Lewis travel insurance advice is ‘ASAB’ (As Soon As you Book), which basically translates to suggesting that you should buy your travel insurance as soon as you’ve booked your holiday.

In an interview on This Morning talking to Martin Lewis about travel insurance, he claims that he is constantly being asked by consumers, “what can I do if I’ve been diagnosed with a medical problem and I can’t go on holiday because my travel company won’t give me a refund?”. According to Martin Lewis travel insurance recommendations, 50% of the value of your travel insurance cover is before you are due to travel.

Top reasons for holiday cancellations before travelling:

  • Sickness or illness
  • Accidents causing an injury
  • Emergency at home
  • Family emergency
  • Work commitments
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Martin Lewis Travel Insurance - iam|INSURED

Is it worth taking out travel insurance?

Almost all financial experts such as Martin Lewis and citizensadvice.org.uk, strongly recommend that you take out a travel insurance policy and that you do it quickly. The financial and emotional impact of not having travel insurance while overseas can be catastrophic if you require medical treatment or if you are victim of a crime.

The cost of travel insurance is generally affordable for most holidaymakers and you should factor this in to the cost of your holiday. Risking not having travel insurance and then having a medical emergency when you are overseas, especially in certain destinations, can cost you thousands.

What does travel insurance cover?

Most travel insurance policies will provide the same core elements such as medical emergencies, repatriation, legal expenses, loss, theft or damage to personal belongings, and cancellation or curtailment of your trip. The types and levels of cover can vary dramatically from one policy to another so you should make sure that you’re getting the cover that you want and that you need.

Also, some travel insurance policies won’t cover you for certain destinations, activities or types of holidays, such as:

  • Cruise holidays
  • Winter sports
  • Worldwide travel
  • Pre-existing medical conditions

Note: Travel insurance will generally exclude any accident or injury that has happened whilst under the influence of alcohol or drugs.

What is classed as a pre-existing medical condition for travel insurance?

According to one of the UK’s top travel insurance providers, Staysure clearly states that ‘you must declare ALL pre-existing medical conditions when your take out a travel insurance policy’. Witholding any information about your health or medical history could expose you to the risks of rendering your cover invalid and therefore class any claims as ‘null and void’.

Any of the following pre-existing conditions must always be disclosed on your travel insurance application:

  • Cardiovascular conditions (e.g. blood pressure, cholesterol, heart disease etc.)
  • Cancer(s)
  • Any Stroke or Transient Ischemic Attack (TIA)

You should also let your travel insurance provider know about any of the following medical investigations, tests or treatments in the past two years:

  • Symptoms (whether or not you have consulted a doctor)
  • Medication or treatments
  • Scans or investigations
  • Medical appointments and check-ups
  • Surgery
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Martin Lewis pre-existing medical conditions - iam|INSURED

How much should I spend on travel insurance?

According to a recent travel insurance survey carried out by Forbes Advisor’s Analysis (Average cost of travel insurance 2023), the average cost of travel insurance is between 5% and 6% of the cost of your trip.

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