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Travel Insurance with Depression guide UK 2024

Depression is the one of the most commonly diagnosed medical condition in the UK. Having a mental health condition shouldn’t prevent you from travelling and with the right travel insurance, you can go on holiday with peace of mind.

Some insurers still don’t have the best understanding of mental health conditions, which can be frustrating when looking the cover you need. Specialist depression travel insurance will provide higher levels of protection against unforeseen events like trip cancellations or lost luggage.

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60-Second Summary – Travel Insurance with Depression guide UK 2024

Many people in the UK have experienced a common mental health condition like depression at some point in their lives. While it can be possible to get standard travel insurance, it is often cheaper and easier to buy a specialist medical travel insurance policy. This is especially true if your symptoms are more severe, as you could pay much more if you apply to a standard insurer.

  • You should disclose any mental health condition that you have when you apply for travel insurance. This allows the insurer to give you the right level of cover and lowers the risk of your policy not paying out.
  • Travel insurance is designed to protect you financially if something unexpected happens while you are on holiday. You can submit a travel insurance claim in a variety of situations, such as if your luggage is lost or you miss your flight.
  • It’s important to buy travel insurance as soon as you can, once you have booked a holiday. That way you are protected before you have even left your home and in some situations you can even claim for needing to cancel your holiday (e.g. cancelling for medical reasons).

Can you get travel insurance with depression?

YES – travel insurance is often widely available for people who have been diagnosed with depression.

A specialist insurer can be a good option if your depression symptoms are severe. Specialists will usually be more understanding and able to offer cover where mainstream providers would not.

Does depression affect travel insurance?

You won’t be automatically covered for conditions like depression with a standard travel insurance policy. This means if you needed to cancel your holiday due to depression you could lose a lot of money and your policy may not pay out.

Do I need to declare depression on travel insurance?

YES – it’s always best to disclose any ongoing medical conditions when applying for an insurance policy. You could choose to take out standard travel insurance, but you may find it doesn’t provide a high enough level of cover for you.

Mental health conditions can have a big effect on your daily life. If you needed to cancel or cut your trip short due to severe symptoms, you want to be certain you have the right protection in place. If not, you could lose hundreds or even thousands of £s.

In some cases, you might find that insurers will exclude depression or anything related as a reason to claim on your policy. You will still be able to claim for a range of other reasons to avoid losing money if anything goes wrong on your trip.

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Travel insurance policies can be very useful, helping to prevent big financial losses if something unexpected happens while you’re away. These policies are designed to support you financially in the case of unexpected events like:

  • Losing an item of value
  • Lost baggage/hand luggage
  • Emergency medical treatment
  • Flight delays or cancellations

Depression travel insurance policies will also provide additional protection for:

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

How much does travel insurance with depression cost?

Travel insurance policies can vary in price based on several key factors. When you apply, insurers will look at:

  • Trip length
  • Your destination
  • Type of holiday (e.g. cruise cover)
  • Type of cover (single trip vs annual cover)

It is possible insurers will ask questions specific to your health such as:

  • When were you diagnosed with depression?
  • Are you on medication to treat depression?
  • Have you ever been hospitalised due to your mental health?
  • How severe are your symptoms?
  • How frequently do you experience symptoms?
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It is always helpful to speak to someone who understands how depression can affect travel insurance before you apply. You have a few options for travel cover, and you can choose the one that best suits your needs:

  • Single trip cover: will cover you for one specific trip, a cost-effective option if you don’t travel often
  • Annual travel insurance: this will cover you for multiple trips within a 12-month period, helpful for frequent travellers

Travel insurance for anxiety and depression

According to The Mental Health Foundation, mixed anxiety and depression is the most common mental health condition in the UK. Around 7.8% will meet the criteria to be diagnosed with both anxiety and depression.

if you would like to be fully covered for medical treatment and other emergencies while on holiday, a comprehensive travel insurance policy will be your best option.

Does depression affect where I can travel to?

NO – having depression should not affect which countries you can travel to. It can be a good idea though to think about your destination when you apply for travel insurance.

Is there an age limit for travel insurance with depression?

Our skilled medical travel insurance partners are proud to offer high quality travel cover with NO AGE LIMIT. All you need to do is fill in a few basic details about your trip and your health to receive fully personalised travel quotes.

Compare depression travel insurance

It is very common in the UK to be diagnosed with a mental health condition like depression.

According to mental health charity MIND, around 3 in 100 people are diagnosed with depression in England every week. This number rises to 8 in 100 people for mixed anxiety and depression.

Find the best travel insurance for people with depression with help from a skilled medical travel insurance expert.

1. Phone and speak to a travel specialist (or get an online quote)

Call and speak to a medical travel insurance expert for help and advice about your policy. It is a good idea to get cover as soon as you can, to best protect yourself if anything goes wrong.

CLICK HERE for an online quote

2. Answer some simple questions about your holiday (and your health)

The travel insurance team will ask some basic question about your trip and your health to help you find the right policy at the best price.

3. Receive your personalised quote for travel insurance with depression

Other insurance policies for people with depression

Below we have more useful insurance policies that can help people with depression.

What are the main 3 symptoms of depression?

Main symptoms of depression include:

  • Persistent low mood
  • Feeling hopeless
  • Low self esteem
  • Feeling guilty or tearful
  • Feeling more irritable than usual
  • Loss of interest in things or activities you used to enjoy
  • Difficulty making decisions
  • Lack of energy Insomnia
  • Difficulty in your home or work life

How do you define depression?

Depression is defined as periods of sadness that last longer than a few days e.g. weeks or months. Various events can trigger depression such as:

  • Bereavement
  • Losing your job
  • Childbirth
  • A traumatic event
  • Family history of depression

Sometimes there is no one specific cause for depression.

How long do depressive episodes last?

This will vary from person to person. Some people will feel sad for several weeks or many months.

Is travelling good for depression?

Travelling can be considered ‘good’ for depression. New experiences and places can help boost your mental health.

Is depression classed as a medical condition for travel insurance?

YES – any medical condition you already have will be classed as ‘pre-existing’. It is always best to declare any medical conditions you have when applying for travel insurance. This helps you to get the right policy and level of cover needed for your holiday.

Useful resources

International Association for Medical Assistance to Travellers – Travel and Depression

Gov.uk – Mental health and wellbeing abroad

CDC – Mental health and travel

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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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