How does pre existing medical condition travel insurance work?
Pre existing medical condition travel insurance is designed to cover you for medical issues you already have when you buy your policy, as long as you declare them during a short medical screening. By telling insurers about conditions such as heart problems, diabetes, anxiety or cancer, you can usually get cover for related emergencies abroad, along with benefits like cancellation cover, lost medication protection and emergency repatriation back to the UK. This specialist cover costs more than a basic policy, but it can still be affordable if you compare quotes in one place and make sure the benefits and limits are right for your health, destination and budget.
Who needs pre existing medical condition cover?
Anyone who has seen a GP, specialist or hospital about an ongoing or recent condition, takes regular medication, or has had tests or treatment in the last few years will usually need to declare their health and buy a policy that covers pre existing medical conditions rather than a basic standard policy.
What does this type of travel insurance cover?
Policies can include emergency medical treatment and hospital costs, repatriation to the UK, cancellation and curtailment if you cannot travel for medical reasons, cover for lost or stolen belongings including prescription medication, plus features like travel delay and personal liability, depending on the provider.
Will it be very expensive if I have health problems?
The price depends on your age, destination, trip length and how complex or serious your medical conditions are, but by using a specialist comparison service you can often find lower cost options that still give you suitable cover, especially if you are flexible on policy extras and excess levels.
Is it really necessary if I already have a GHIC or EHIC?
A UK Global Health Insurance Card or EHIC can help with medically necessary state care in Europe, but it does not cover private treatment, cancellation, lost baggage or the very high cost of medical repatriation, so travel insurance that includes your pre existing conditions is still strongly recommended.
Key Points: Pre existing medical condition travel insurance giude 2026.
- Declaring pre existing medical conditions is vital, as undeclared health issues can lead to a claim being refused or a policy being cancelled.
- Specialist travel insurance can cover thousands of conditions, from high blood pressure and asthma to cancer and heart disease.
- Medical screening is usually a quick online questionnaire about your diagnoses, treatment and recent symptoms.
- Good policies cover emergency medical bills, repatriation, cancellation and lost medication linked to your conditions.
- Using a UK based comparison service helps you find low cost cover from multiple specialist insurers in minutes.
- Undiagnosed conditions under investigation generally cannot be covered until you have a confirmed diagnosis.
- If your health changes after buying a policy, you normally need to tell your insurer before you travel.
Having a pre-existing condition often means that you are more likely to experience medical issues while on holiday. If this happens, you could be faced with extremely expensive medical bills of £100’s or even £1000’s. Bills like this can be unaffordable for many people, especially if they don’t have the extra financial support that a policy like travel insurance offers.
Who is this guide for?
In this guide, our team of independent insurance specialists provide all the information that you need to buy the best and cheapest policies for travel insurance with medical conditions in 2025. Having a medical condition can make it trickier to find the right travel insurance policy, which is why our insurance experts are here to help.
The popular consumer advice site Which? conducted a survey in 2023 which revealed that 61% of UK holidaymakers have a pre-existing medical condition. Around 36% of people surveyed said that they found it harder to buy travel insurance due to their health, which is exactly why it is important to apply through an expert broker.
Most travel insurance policies in the UK will provide a minimum of:
- Cover for medical emergencies and repatriation (can be worth up to £20million or more)
- Cash payments if you need to cut your trip short or cancel due to your health
- Cover for loss of valuable personal items
There are a lot of options for travel insurance policies in the UK, and some will simply work better than others for people with medical conditions. A specialist travel insurance website can quickly compare policies and prices, to find you the most suitable and budget-friendly travel insurance policies.
Can I get travel insurance with medical conditions?
Travel insurance is often available for people with medical conditions and can be extremely affordable in most cases. If you have a mild condition that is unlikely to cause issues while you are away, you may even be able to buy a policy with no increase in pricing at all.
Some travel insurance companies specialise in covering people with medical conditions, such as Good to Go Insurance who claim to cover all medical conditions with no upper age limits.
Goodtogoinsurance.com Medical Travel Insurance TV Advert
In this short advert, Goodtogoinsurance.com highlights how their policies work for travellers with pre-existing conditions.
If your condition is more serious, you may have to pay slightly more to ensure that you have the right level of cover for any medical emergencies or other related issues (e.g. needing to cancel your trip due to your health).
The best approach when buying travel insurance for medical conditions is to apply via a specialist travel insurance broker. If you apply through a mainstream company or non-specialist, you may not be able to get the cover that you need or you could end up paying far more than you should.
What is considered a pre-existing medical condition?
A pre existing medical condition is any health issue that existed before, or at the time you take out your travel insurance policy. That includes conditions you have now, and conditions you have had treatment for in the recent past, even if you feel fully recovered. In simple terms, if you would mention it on a health questionnaire for a new doctor or life insurance, you probably need to mention it for travel insurance too.
Insurers each have their own detailed wording, but many will expect you to declare if any of the following apply:
- You have been diagnosed with, or treated for, any cancerous, respiratory, liver, heart or circulatory condition in the last five years, including problems such as strokes, heart attacks, angina, high blood pressure or raised cholesterol.
- You have had psychological conditions such as stress, anxiety or depression, or psychiatric conditions such as eating disorders, diagnosed or treated in the last five years.
- You have had medication or medical treatment for any condition in the last two years.
- You have visited a GP, clinic or hospital as an inpatient or outpatient in the last two years for any non trivial issue.
There are thousands of specific conditions that specialist pre existing condition policies can cover. Some of the most common include:
- Allergies and asthma.
- Anxiety, depression and other mental health conditions.
- Back problems and arthritis.
- Breast cancer, prostate cancer, skin cancer and other forms of cancer.
- Chronic conditions such as COPD, diabetes, Crohn’s disease and lupus.
- Heart problems, high blood pressure and high cholesterol.
- Epilepsy, stroke and multiple sclerosis.
- Hernias, gallstones and other digestive issues.
- HIV and other long term viral conditions.
If you are unsure whether something counts, it is always safer to declare it during the screening process and let the system guide you. Failing to mention a condition that later turns out to be relevant is one of the main reasons claims are declined.
Bear in mind that insurers cannot usually offer cover for an undiagnosed condition that is still under investigation. If you are waiting for tests or a referral, you may need to wait until you have a confirmed diagnosis before taking out a policy that fully protects you.
Travelling alone with a pre existing medical condition
Whether it is safe to travel alone depends very much on the nature of your medical condition and how stable it is. As Dr Sarah explains, some conditions, such as epilepsy or insulin treated diabetes, can lead to sudden episodes where you become severely unwell in a short time, while others, such as COPD or arthritis, may limit your mobility and make it harder to manage luggage, transfers and excursions without help.
If you have any condition where you could need urgent help, it is often wise to travel with a companion who knows your medical history and what to do if you are unwell. If you do travel solo, make sure you have shared your itinerary and policy details with someone you trust, carry a clear list of your medications and dosages, and keep emergency contact details with you at all times.
Regardless of whether you travel alone or with others, take all the precautions you would at home and more. That might include packing extra medication in separate bags, arranging airport assistance if mobility is an issue, and checking in advance that your accommodation is suitable for your needs.
What medical conditions must be declared for travel insurance?
You should declare any medical conditions that you have when applying for travel insurance, or you risk ending up with a policy that is invalid or not suitable for you.
There are a range of medical risks to travelling abroad and treatment costs can be very expensive if you are taken ill.
People with diabetes for example could face medical issues due to lost insulin, hypoglycaemia or hyperglycaemia and more. Having travel insurance means you will be able to get the care that you need, without worrying about the cost of expensive medical bills.
How far back do you have to declare medical conditions for travel insurance?
Most travel insurance companies will ask if you’ve received treatment, experienced symptoms, or been diagnosed with conditions within a set time before buying your policy. This is commonly 2 years or 5 years depending on the company that you apply to.
It is unlikely that you would need to disclose conditions from 10 or 20 years ago unless they’re still having an impact on your health (e.g. a long-term or ‘chronic’ medical condition).
What pre-existing conditions are not covered?
The terms and conditions for travel insurance policies will often state that any pre-existing conditions that have not been disclosed will not be covered. This means that if you haven’t mentioned something, you won’t be able to claim for it if you need to.
Other common things that you can’t claim for (exclusions) include medical treatment because of drug or alcohol abuse, or treatment due to an injury or illness caused by illegal activities.
Is there any travel insurance that covers pre-existing conditions?
Several specialist travel insurance companies will provide extra cover for people with pre-existing conditions. Even mainstream providers like Post Office will often provide cover for common conditions such as diabetes or asthma.
Most travel insurance policies will provide some level of cover for emergency medical treatment, which can offer much-needed support if you experience medical issues while on holiday.
If you have a serious pre-existing condition, a specialist policy can be more suitable compared to standard travel insurance. These policies will usually offer a higher amount of medical cover, plus additional cover for events such as loss or damage to medications or medical equipment.
What will I be asked when applying for travel insurance with medical conditions?
Travel insurance companies will always ask questions about your trip and other personal details when you apply. This includes questions about any potentially dangerous activities on your trip (e.g. snowboarding), as well as requesting information about your health and medical history.
These questions are designed to help the insurance company assess if they can offer you cover and what price you should pay.
Most travel insurance applications will ask you questions about your health and lifestyle, with common questions including:
- Have you been diagnosed with a terminal illness? (could still get cover in some cases but options will be more limited)
- In the last 5 years, have you suffered from a recurring medical condition?
- In the last 5 years, has a doctor referred you to a specialist or consultant?
- Have you been diagnosed with any mental health conditions?
- Are you currently waiting for results from scans, tests, or investigations?
- Have you been referred for scans, tests, or investigations that haven’t happened yet?
If you don’t answer these questions honestly, you may end up with a policy that isn’t suitable for you. You should always declare your medical history to avoid unpleasant surprises, such as your cover being deemed invalid right when you need to claim.
What pre existing condition travel insurance typically covers
A good pre existing medical condition policy will usually include a mix of core benefits that protect both your health and your wallet while you are away. Limits and details vary between providers, so always read the key facts and policy wording, but you can generally expect cover in the following areas.
- Emergency medical expenses including hospital treatment, surgery, diagnostic tests and prescribed medication if you fall ill or are injured while abroad, up to the policy limit.
- Repatriation which covers the cost of getting you home to the UK if you need medical evacuation, medical escort or a different type of flight due to your condition.
- Cancellation and curtailment if you have to cancel your trip before you go, or cut it short and return home, because of a serious change in your or a close relative’s health that is covered by the policy.
- Lost, stolen or damaged belongings including cover for essential items, with many policies recognising the importance of replacing prescribed medication if your bags go missing.
- Travel delay and missed departure where included, offering a benefit or contribution towards extra costs if your transport is significantly delayed for a reason covered by the policy.
- Personal liability which can protect you if you accidentally injure someone else or damage their property while you are on your trip.
As well as these core areas, some insurers offer useful extras such as cover for cruise holidays, gadget cover, winter sports add ons or enhanced baggage limits. These can be helpful, but do not feel pressured to add features you do not need, as each extra will usually increase the premium.
Can you buy annual travel insurance with pre-existing medical conditions?
When applying for travel insurance you have two main options, single trip cover and annual cover.
- Single trip cover: This policy covers you for one specified amount of time (e.g. one week, two weeks)
- Annual travel cover: This policy covers you for all trips that take place within one year (12 months)
If you are someone who travels a lot (e.g. for work) or just happens to have a few holidays coming up, annual cover could work out better for you than buying several policies.
Annual cover is often cheaper for frequent travellers and saves you the hassle of multiple travel insurance applications. If you’re only travelling once or twice, single policies could be more cost-effective, so you should consider which option might work best for you.
How much is travel insurance with pre-existing medical conditions?
Prices for travel insurance with medical conditions can start at under £10 for less serious medical conditions. As with any type of insurance, there are a few different factors that will affect how much you pay for your travel insurance policy.
The price of your travel cover will be based on things like:
- Your age
- If you need individual, couples, or family cover
- The length of trip
- Type of cover (single trip or annual cover)
- Type of holiday (standard holiday, cruise etc)
- Destination (e.g. European or Worldwide)
If you have medical conditions, the price of your policy can also be affected by:
- Height and weight
- How long ago were you diagnosed?
- Do you have multiple medical conditions?
- How severe are your symptoms?
- Have you been hospitalised before due to your medical condition?
- Have you had any complications?
- Are you on treatment/medication for your condition?
While your health can affect the cost of your policy, the price difference can be minimal and in some cases, there won’t be any price difference. It really depends on the exact medical condition that you have, your symptoms, and which insurance company you apply to.
Below, our independent insurance experts have put together tables to highlight the difference in travel insurance prices for the UK’s most common medical conditions. Based on information from Post Office, these conditions are considered ‘common’ when applying for travel insurance:
For these examples, we have generated quotes for single-trip travel insurance for a 7-day trip to a European destination (Spain). We are providing a rough guide of the lowest prices that you might expect to see for different age groups (e.g. age 30 – age 35), based on all the quotes generated by our insurance experts.
Price Comparison – European travel insurance (no medical conditions)
| Medical condition | Person’s age | Cost of cover (£s) |
|---|---|---|
| No medical conditions | Age 20 – 25 | £8.68 – £9.58 |
| No medical conditions | Age 30 – 35 | £7.56 – £7.88 |
| No medical conditions | Age 40 – 45 | £8.05 – £8.57 |
| No medical conditions | Age 50 – 55 | £9.00 – £10.15 |
Price Comparison – European travel insurance (Diabetes)
| Medical condition | Person’s age | Cost of cover (£s) |
|---|---|---|
| Diabetes | Age 20 – 25 | £9.58 – £9.75 |
| Diabetes | Age 30 – 35 | £9.04 – £9.58 |
| Diabetes | Age 40 – 45 | £10.00 – £11.35 |
| Diabetes | Age 50 – 55 | £10.00 – £13.41 |
Note: In this example, the customer takes insulin for their diabetes but have no complications such as retinopathy or nephropathy.
Price Comparison – European travel insurance (High blood pressure)
| Medical condition | Person’s age | Cost of cover (£s) |
|---|---|---|
| High blood pressure | Age 20 – 25 | £9.58 – £9.75 |
| High blood pressure | Age 30 – 35 | £9.04 – £10.00 |
| High blood pressure | Age 40 – 45 | £10.00 – £11.93 |
| High blood pressure | Age 50 – 55 | £13.41 – £13.98 |
Note: In this example, the customer takes one form of medication for high blood pressure but has no complications or related conditions.
Price Comparison – European travel insurance (High cholesterol)
| Medical condition | Person’s age | Cost of cover (£s) |
|---|---|---|
| High cholesterol | Age 20 – 25 | £9.58 (no price changes) |
| High cholesterol | Age 30 – 35 | £9.04 (no price changes) |
| High cholesterol | Age 40 – 45 | £10.00 (no price changes) |
| High cholesterol | Age 50 – 55 | £10.00 – £13.98 |
Note: In this example, the customer is a non-smoker and has no complications or related conditions.
Price Comparison – European travel insurance (Asthma)
| Medical condition | Person’s age | Cost of cover (£s) |
|---|---|---|
| Asthma | Age 20 – 25 | £15.22 – £15.63 |
| Asthma | Age 30 – 35 | £13.24 – £13.80 |
| Asthma | Age 40 – 45 | £14.64 – £15.58 |
| Asthma | Age 50 – 55 | £15.58 – £16.35 |
Note: In this example, the customer is a non-smoker, has been prescribed 1 – 2 medications and uses a nebuliser, but has had no recent hospitalisations.
As you can see, prices for medical conditions travel insurance are often extremely similar to standard pricing. In most cases, travel insurance will still be affordable, and a specialist broker can help if you’re struggling to find a suitable price.
How to get cheaper travel insurance with medical conditions
The easiest way to save money on travel insurance with medical conditions is by doing your research and applying through a medical travel insurance specialist.
Specialist brokers like Medical Travel Compared will have access to a wider range of policies and providers, allowing you to get a suitable level of cover for a fair price.
Will it take longer to get travel insurance with medical conditions?
You will have to answer a few extra medical questions, but buying travel insurance with medical conditions shouldn’t take much longer than buying a standard policy.
You might find that some mainstream insurers won’t be able to offer cover for your condition, or that they would charge extremely high prices. This is why it is always best to apply via a medical travel insurance broker who will have access to specialist policies that can help.
Can you get ‘medical only’ travel insurance?
There aren’t any travel insurance policies in the UK that offer ‘medical only’ cover, as they will usually cover you for other events too. It is standard for travel insurance to also cover things like flight delays and lost or stolen personal items.
If you have private health insurance, you may be able to add on ‘overseas travel cover’, which would allow you to use some of the benefits of your policy while travelling. This would be the closest match to a ‘medical only’ policy, but there will usually be an extra cost to add this benefit to your cover (see Private Health Insurance guide).
What happens if I get ill abroad?
It can be extremely expensive to pay for medical treatment if you become ill or are injured while you are abroad. This could cost you £100’s or even £1000’s depending on the medical problem and the country that you are visiting.
If you have a history of medical issues, there is a higher risk that you will need medical treatment while you are away. This could cost you a small fortune if you’re not insured, leaving you in significant financial difficulty if you can’t afford the treatment that you need.
This is exactly why travel insurance exists, to provide extra financial support in these situations. Travel insurance policies will usually cost you a small fraction of the price of treatment for a serious medical emergency.
Is it worth having a GHIC?
A Global Health Insurance Card or ‘GHIC’ can be used to help with the cost of medical treatment when travelling within the European Union. These cards replaced the previously used European Health Insurance Card (EHIC), but any valid EHICs can be used until they expire.
Global Health Insurance Cards are very worthwhile as they are completely free and can be used for minor medical issues if you don’t want to make a travel insurance claim.
You can apply for your GHIC on the NHS website here: NHS – Get healthcare cover abroad
If your GHIC or EHIC is lost or stolen, you should report this by calling 0330 330 150 or emailing nhsbsa.ghicenquiries@nhs.net.
Note: A GHIC will always be free, so be wary of any sites that ask you to pay as this is likely to be a scam. The safest thing is to only apply for your card via the official NHS website.
Does the NHS cover medical bills abroad?
The NHS generally won’t cover the cost of your medical care while you are on holiday and will never cover the cost of emergency care while abroad. The NHS launched the EHIC and GHIC cards instead, which can be used to help with the cost of minor medical issues.
The NHS might be able to fund pre-planned medical treatment within the EU, as well as in countries like Switzerland. This will depend on your eligibility, and it would all need to be pre-approved by the NHS before you travel.
Be aware, that most travel insurance policies will state that they won’t pay out for pre-planned medical treatments. You will not be able to claim for the costs associated with pre-planned surgeries or treatments outside of the UK.
What is the best travel insurance with medical conditions?
The medical travel insurance policy that is the ‘best’ will vary from person to person. The main thing is to get a policy that covers everything that you need at a price that works for your budget.
While some insurance companies consistently appear to be ‘budget-friendly’ options, they may not be the right choice for every medical condition. This is why you should apply through a medical travel insurance specialist to ensure you have access to specialist providers and fairly priced quotes from across the market.
How do I claim on travel insurance for existing medical conditions?
You should contact your insurance company as soon as you can, if you realise that you need to make a travel insurance claim. There are a few reasons you might need to claim on your travel insurance policy such as:
- Cancelled trip
- Lost luggage
- Medical treatment
- Repatriation to the UK
- Replacement medication or medical equipment
- Lost passport
Example of standard travel insurance claims process
1. Speak to your insurance company
It’s important to contact your travel insurance company as soon as possible to start your claim. You should be able to find the contact details for your insurance company’s claims team either online or within your policy documents.
In most cases, you will need to call the claims team to start your claim, but some insurers will allow you to submit non-urgent claims online or through their app.
2. Confirm that your claim is covered
The insurer will look at the terms and conditions of your policy to check if you are covered for the issue or event that you are submitting a claim for. Depending on why you are claiming, they may request to see extra evidence such as an invoice for medical treatment or replacement flights.
Most insurance companies will include a list of ‘exclusions’ within your policy documents, which are events and issues that you can’t claim for.
Note: It’s especially important to talk to the insurer and have them confirm (verbally) that they will cover the cost of medical care or treatment (if this is what you are claiming for).
3. The insurer approves or declines the claim
The insurance company will assess your claim and decide whether they can approve a payout. This process can be fairly quick, but the exact amount of time will depend on why you are claiming and on the insurance company itself.
If the claim will take time to be processed, you should be informed of the status of your claim throughout this time period.
4. Receive your payment (if your claim is successful)
Once your insurance claim is approved, the company should send you the money. This payout can be a huge help, especially if you need to cover unexpected medical expenses or to replace items while you are still away.
Note: You should get a report from the police for any items that are lost or stolen during your trip, as insurers will want to see this before approving a claim. Don’t forget to keep receipts and proof of payment for anything you will claim for later (e.g. replacement clothes if your luggage is lost).
Can I complain about my travel insurance?
If you aren’t happy with your travel insurance company, you should contact them as soon as possible to try and resolve the issue. Most insurance companies will have a dedicated complaints team that you can talk to, with contact details readily available on their website or in your policy documents.
If you believe that you have been caused undue distress or financial loss because of your policy, you can refer your complaint to the Financial Ombudsman Service. In some situations, they may rule for you to be awarded compensation if they think you have been treated unfairly.
Making a complaint to the Financial Ombudsman Service
The Financial Ombudsman Service (FOS) is an impartial and free service for financial services customers in the UK. This service can be used to settle any disputes between life insurance companies and their customers in the United Kingdom. If they feel that you have suffered any financial loss as a result of your life insurance policy, then they may rule for compensation to be awarded.
Telephone – 0800 023 4567 (or 0300 123 9123)
Telephone (outside the UK) – 0207 964 0500
Comparing quotes to find the best cover
With so many insurers and policy types on the UK market, trying to find the right pre existing condition travel insurance by searching manually can be time consuming. A dedicated medical travel insurance comparison service lets you enter your details once, complete your medical screening and then instantly compare quotes from a panel of trusted providers that are willing to consider your conditions.
When comparing, look beyond the headline price and check:
- The level of emergency medical cover, which should be high enough for your destination, especially if you are travelling to countries with very expensive healthcare such as the United States.
- Whether cancellation and curtailment limits are enough to cover the full cost of your trip.
- How your pre existing conditions are described and whether there are any exclusions or restrictions that might affect you.
- The policy excess, as a higher excess can reduce the premium but means you pay more if you claim.
- Customer reviews and ratings, for example on sites like Trustpilot, to understand how insurers handle claims in practice.
It is also worth checking independent guidance from organisations such as MoneyHelper’s travel insurance directory, which lists firms that specialise in covering people with serious medical conditions. This can be a helpful back up if mainstream providers are unable to help.
Frequently asked questions about pre existing condition travel insurance
What is pre existing medical condition travel insurance?
Pre existing medical condition travel insurance is a specialist type of policy that covers you for medical conditions you already have when you buy your cover. To make sure your condition is included, you must declare it during the quote and medical screening process. Once accepted, you are protected against unexpected medical emergencies related to your condition while travelling, giving you the confidence to enjoy your holiday.
Do I need to declare all of my medical conditions?
Yes, you should tell the insurer about all relevant pre existing medical conditions for your policy to be valid. This includes conditions you are currently being treated for, conditions you have been diagnosed with in the past and any issue where you take regular medication or have had recent tests. Modern online screening systems are designed to make this as quick and simple as possible.
What happens if I do not declare a condition?
If you fail to declare a condition that you should have mentioned, your insurer may refuse to pay any claim that is directly or indirectly related to that condition. In serious cases, they may cancel your policy entirely. Being upfront about your health is always the safest approach, even if you are worried it might increase the price.
How do I declare my medical conditions?
Declaring your conditions is usually done through a short online screening. After entering your trip details, you will be asked a series of multiple choice questions about your diagnoses, medication, recent hospital visits and any upcoming investigations. You add each condition one by one, and the system then passes this to insurers, so there is no need to make lengthy phone calls.
Can I exclude a medical condition from my policy?
Most specialist medical travel insurers will not issue a policy that simply excludes your known pre existing conditions, because that would defeat the purpose of protecting you properly. Instead, once you declare your conditions, they will offer you quotes tailored to your health needs. If you deliberately leave something out, you risk having no cover when you need it most.
What if I have an undiagnosed condition?
Insurance providers generally cannot offer cover for undiagnosed conditions that are currently being investigated, such as symptoms you have reported to your GP but which have not yet been fully explained. If you are waiting for test results or a specialist appointment, it is best to check carefully what your chosen policy will and will not cover before you travel, and in some cases wait until you have a confirmed diagnosis, particularly for expensive long haul trips.
Can I still get insurance if I am older or have several conditions?
Yes, many UK insurers focus specifically on providing cover for older travellers and people with multiple health conditions. Whether you are in your 60s, 70s, 80s or beyond, it is usually possible to find suitable protection, particularly if you use a comparison service that works with a wide range of medical travel insurance providers.
Final tips before you buy pre existing conditions travel insurance
- Check your UK GHIC or EHIC is still valid, but remember it is not a substitute for travel insurance.
- Review any existing bank account or packaged cover you have to see whether it includes, or excludes, pre existing conditions.
- Always read the key facts document and main policy wording before paying, to make sure the cover is right for your needs.
- Keep a copy of your policy number, emergency assistance contact details and a list of your medications with you when you travel.
- If your health changes between buying your policy and the date you travel, contact your insurer promptly to update them.
By taking a little time to declare your health accurately and compare specialist policies, you can secure reliable, low cost protection for your next trip. That way, you can focus on enjoying your holiday, knowing that if your pre existing condition causes
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