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Pre-Existing Medical Travel Insurance

Whether you live with mild or severe medical conditions, we’re confident if anyone can help you find the right cover at the best available price, it’s us!

There’s no need to spend hours declaring your medical history completing medical screenings on more than one website. Here at, you can compare pre-existing medical conditions travel insurance from several specialist providers all in one place.

Why do I need specialist pre-existing travel insurance?

While most travel insurance policies include emergency medical expenses and repatriation cover, this DOES NOT extend to cover claims arising from pre-existing medical conditions unless you have disclosed and obtained cover for them.

Healthcare abroad and repatriation can be extremely costly, running into thousands of pounds and should you become unwell on holiday as a result of a previously diagnosed illness. This is why specialist cover for pre-existing conditions is so important.

It’s the best way to ensure you’re protected in the event of having to cancel the holiday or needing to pick up the cost of receiving emergency medical attention while abroad.

With Medical Travel Compared, you can declare your pre-existing conditions and compare suitable cover from over 40 specialist providers in minutes.

Why choose Medical Travel Compared?

Why waste time and effort searching the internet for specialist cover when you can come straight to us?

We enable you to access fast, competitive quotes from leading insurance providers all in one place. This includes the likes of Admiral, Legal & General, More Than and Virgin Money to name but a few.

All it takes is 5 minutes of your time to complete our easy-to-use online form.

We ask a number of questions to gather an understanding of your medical history - so we can match you with the right level of cover to suit your needs.

Then you have the freedom to compare quotes and get your insurance sorted there and then. That way, you can get back to the exciting stuff - like planning your holiday!

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What is a pre-existing medical condition?

A pre-existing condition is any type of medical condition that existed before you take out a policy.

Essentially, you need to notify insurance providers about any conditions you’ve been previously diagnosed with in order to get the most suitable level of cover - and, that’s where we come in!

You can declare your pre-existing conditions with us - and we’ll help you compare quotes for policies providing specialist cover in that area.

Just bear in mind that insurance providers cannot provide cover for undiagnosed conditions.

There are over 2,000 conditions that can be covered. Here are some of the more common:

If any of the above apply to you - then you may need to declare them to compare the right cover for you.

This especially applies if you have recently been diagnosed with the condition and are receiving treatment for it right now. That being said - not all conditions necessarily need to be declared. It often depends on what they are and when they occurred.

It’s also worth bearing in mind that we are unable to provide a quote for an undiagnosed medical condition that’s currently under investigation.

It’s quick and easy to declare your pre-existing conditions - so why not start our online application today?

What’s covered?

Pre-existing medical holiday insurance could offer coverage for a variety of different things, including:

Lost, Stolen or Damaged Personal Belongings

This could include any medication you take abroad with you - so it’s an important benefit.  

Emergency Medical Expenses and Repatriation

If you need emergency medical treatment abroad, the chances are you’ll end up paying a hefty price for it. The cost of repatriation (emergency return back to the UK) is also high.

Cancellation and Curtailment

The insurance provider will cover you in the event of needing to cancel your holiday or cut it short for a certain reason (usually medical).

Travel Delay

This won’t always be included, check with your provider.

Personal Liability

If you cause accidental damage to another person or someone else’s property - cover is provided.

Of course there are a number of other areas of cover that could be included - but these are some of the main things you should look out for.

Insurance providers assess your level of risk - and decide whether or not to provide a quote based on this.

Beyond this, it’s your responsibility to yourself as the customer to ensure you have suitable cover in place.

Costs of pre-existing medical travel insurance

The base rate for standard holiday insurance is calculated on a number of factors, such as age, destination and length of time away. The cost of the additional premium to cover existing medical conditions varies from provider to provider - but this is usually influenced by the nature and severity of your pre-existing conditions.  

The nature of your condition will have a bearing on the price of your premium, and the answers you provide to the questions we ask on the form will help to determine this. The more severe your condition is, the more cover you’ll need.

And, while this usually comes at a higher cost - when you search for quotes with us, you can still find cheap pre-existing medical holiday insurance that offers excellent value for money and the suitable level of coverage to give you peace of mind.

The type of policy you decide to take out will also influence the price you pay.

Single trip travel insurance with pre-existing medical conditions

If you’re planning to get yourself insured for just the one holiday this year - single trip travel insurance is probably the best policy type for you.

Single trip cover is for one-off trips - but we can help you get insured for both short and long stay holidays if needed.

It covers you for all the same things as any other normal policy would - but you will need to add cover for pre-existing conditions if you have any.

Annual travel insurance with pre-existing medical conditions

With an annual travel insurance policy, your insurance plan will cover you for any trips you take within the next year.

So, naturally, it’s a little more expensive – but if you’re planning on travelling multiple times over the next 12 months, you could actually save money.

It can also help to save time, as you won’t have to deal with the process of searching for quotes, and buying a policy, for each individual trip.

Again, you’ll need to declare any pre-existing conditions when taking out annual medical travel insurance in order to ensure you’re fully covered.

If you already know which type of policy you need, you can start comparing quotes today!

Customer questions

Does that cover everything?

If you have more questions in mind - feel free to get in touch and we’ll respond to any concerns there and then.

In the meantime, we’ve tried to answer some of the more frequently asked questions below as best we can.

What happens if I develop a medical condition after I have bought my policy?

If you develop a medical condition, or need to make any other amendment to your policy - you should contact your provider at the earliest opportunity.

More often than not, they’ll be able to make these changes over the phone for you. It’s likely that your premium will increase, but at least you’ll be properly covered.

What happens if I need treatment abroad?

In the event of a medical emergency, you should call the 24-hour emergency number shown in your travel insurance documentation.

If it isn’t an emergency, but you’ve received a medical bill after treatment - you should be able to make a claim afterwards.

What is a medical screening for travel insurance?

Medical screening essentially refers to the Q&A process we go through to get a better understanding of the customer’s medical history.    

It enables insurance providers to calculate the sufficient level of cover to offer you.

What will I be asked when I apply for travel insurance with a pre-existing condition?

Questions vary depending on the type of condition. However, it’s likely that you will be asked whether you’ve had any hospital visits, been prescribed medication or even undergone surgery within the last 2 years.

It’s best to answer these questions as accurately as you possibly can to help us match you with the right level of specialist cover.

Customer reviews

After buying travel insurance for pre-existing medical conditions or medical travel insurance,
93% of customers would recommend us based on 7703 respondents - as of 24/11/17). Read our reviews
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How Medical Travel Compared works

We’re a specialist comparison website that provides people with pre-existing medical conditions an easy way to find suitable travel insurance. You’ll find a range of guides, articles and tips across our site. Whilst we always aim to provide the most accurate information and guidance, we can’t always guarantee that the information contained in the pages of our website is correct. Because of this, we can’t accept liability if things go wrong and you use the information at your own risk.

  • This site does not provide medical advice, diagnosis or treatment of any medical conditions. You should always consult a medical professional to ensure you are healthy and fit enough to travel.
  • The information on our site does not constitute financial advice. Always do your own research for your specific circumstances as the information contained within this site is built to offer generic, not bespoke guidance.
  • We always endeavour to provide accurate product and price information, but products and rates issued by our panel of providers are live and subject to changes outside of our control and without warning.
  • Occasionally we link to other websites to provide you with additional information or guidance. We can’t be responsible for their content.
  • We aren’t owned by any insurance companies (or have any favourites) so the information we present on our website is unbiased.