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Overweight Travel Insurance Guide UK 2024

Looking for the UK’s top rated overweight insurance experts? You’ve found us! We’re proud to be able to help overweight people across the UK with all their travel insurance needs.

We know that sometimes being overweight can unfairly make finding travel insurance a little more complicated. We’re here to make all your worries disappear – and hopefully save you some money along the way!

Being overweight or obese shouldn’t mean that you can’t enjoy holidays like anyone else. Travel insurance lets you focus on making memories on your trip and not how much it might cost you if anything goes wrong.

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60-Second Summary – Overweight Travel Insurance Guide UK 2024

Being overweight or obese shouldn’t prevent you from finding suitable and affordable travel insurance before your next holiday. The key is to speak to a specialist broker who will know which insurers work best for you.

  • It’s important to declare being overweight or obese when applying for travel insurance, as insurers will class this as a pre-existing medical condition.
  • Insurance providers will want to know if your BMI is 25 or higher, as this could increase the risk of conditions like heart attacks or stroke happening while you are away.
  • Choosing a specialist overweight travel insurance policy will usually be your best option, as this ensures you get the right price and level of cover.

Can I get travel insurance if I’m overweight?

YES – there are some great options available for overweight travel insurance. Specialist overweight travel insurance policies will be able to offer the right level of cover and often at a lower price.

Of course, you can apply for standard travel insurance, though this might not provide enough cover for what you need. Being seriously overweight can increase the risk of medical complications when you’re away e.g. heart attack or stroke.

Is being overweight a pre-existing condition for travel insurance?

YES – with most insurance policies, the insurer will class being overweight as being a pre-existing condition. This is because being overweight can increase your risk of other medical issues.

Often having a high BMI can also be linked to other conditions like:

Being overweight or obese doesn’t mean you won’t be able to get travel insurance. Specialist medical conditions travel insurance can simply be more suitable and able to offer the cover you need.

Do I need to declare obesity when applying for travel insurance?

YES – if you have a high BMI (25 or over), this is something travel insurance providers will want to know about. This is especially true if your BMI is in the obese range (30 or more).

If you aren’t honest when asked about your weight, there’s a chance the insurer will refuse to pay out for any medical related claim. This could be an absolute nightmare, leaving you stuck with massive bills and struggling to find the funds. In our opinion, it really isn’t worth the risk.

How does overweight travel insurance work?

Everyone will be asked some basic health and lifestyle questions when they apply for travel insurance e.g. your age. You will most likely also be asked for details about your trip e.g. where you’re going, how long for etc.

If you are overweight and applying travel insurance, you might be asked a few extra questions – but that’s OK. It’s totally normal and just helps the insurer get a better idea of your overall health.

You could be asked things such as:

  • What is your BMI (Body Mass Index), height and weight?
  • Is your mobility restricted due to your weight?
  • Do you have any other medical conditions?
  • Do you smoke?

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What does overweight travel insurance cover?

Specialist overweight travel insurance will have you covered in a variety of situations that could happen while you’re away. This should help prevent you from losing any money if something unexpected happens on your holiday.

Your policy will cover events such as:

  • Emergency medical expenses and repatriation (up to £15million)
  • 24/7 medical assistance
  • Lost baggage
  • Missed departures
  • Cancellation cover
  • Personal liability (up to £2million)

How much is travel insurance for overweight people?

There isn’t one set price for travel insurance as everyone is different, and the cost will be based on things such as your age when you apply. The price will also be affected by the type of holiday and how long you will be away for.

Some of the main factors that insurers will look at are:

  • The type of travel insurance (single trip vs annual cover)
  • Destination (Europe or Worldwide)
  • Trip duration

If you are overweight, the insurer is likely to also think about your health and any other medical conditions you have. The good news is there are specialist providers who can be a great fit as they are experts in helping people in the same situation as you.

How to get cheaper obesity travel insurance

It’s understandable to worry about the cost of cover, especially if you’ve just spent hundreds of £s on your dream holiday.

If you need budget-friendly travel insurance and happen to be overweight, this doesn’t need to be a problem. The key is to talk to a travel insurance specialist. Speaking to someone who knows their stuff can guarantee you find the perfect cover at a lower cost.

What is the best travel insurance for overweight people?

There isn’t one ‘best’ travel insurance policy. Everyone’s needs are different so the main thing to think about is what will work well for you.

There’s two main options when you want to buy travel insurance:

  1. Single trip travel insurance: This can be useful for one specific trip and is usually cheaper.
  2. Annual travel cover: These policies can be appealing for people who travel often, as they cover you for multiple trips within 12 months.
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Are there age limits on travel insurance for overweight people?

Our specialist travel insurance partners have loads of experience and are pleased to offer top quality cover with NO AGE LIMITS. This means whether you’re 20 or 90 there will be a great policy for you.

Compare overweight travel insurance

Travel insurance premiums can vary massively so it’s important to get the right advice. Here is how to find out more about overweight travel insurance and compare prices quickly and easily.

1. Speak to an overweight travel insurance expert (or get a quote online)

Our expert travel partners have been carefully selected and can tell you everything you need to know to get the right policy. They can also save you the hassle of searching multiple providers for quotes, comparing policies for you quickly and easily: Get a Quote

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

You’ll be asked some simple questions about your holiday and a bit more about your overall health (medical screening).

3. Receive your personalised travel insurance quotes

Other insurance products for overweight people

There are a range of different policies that can be useful for people who are overweight such as:

According to the House of Commons Library:

  • 37.9% of UK adults are classed as overweight (BMI over 25)
  • 25.9% of UK adults are classed as obese (BMI over 30)
  • People over 45 are more likely to be overweight (almost 3 in 4 adults in England)
What is obesity?

The NHS defines obesity as ‘a person who has excess body fat’. The most commonly used way to check if your weight is healthy compared to your height is to work out your Body Mass Index (BMI). A BMI of 25 or over is classed as overweight and a BMI of 30 or over is classed as obese.


Is there a BMI limit for travel insurance?

Some insurers will have a set BMI limit.  If your BMI is higher than this, it is worth speaking to a travel insurance expert to find out your best options for cover.


Will being overweight prevent me from going on holiday?

NO – You should still be able to go on holiday if you want to. It can be helpful to plan ahead though and check with your doctor that it safe for you to fly for example.

Useful resources

Travel Health Pro – Supporting travellers with obesity

World Health Organisation (WHO) – Obesity and overweight

NHS – Obesity: Overview

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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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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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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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