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A Guide to Travel Insurance with Pre-Existing Conditions

Whether you live with mild or serve 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 completing medical screenings on more than one website. Here at, you can compare travel insurance for pre-existing medical conditions from several specialist insurers all at once.

Why Pre-Existing Medical Travel Insurance is Important

Whilst most travel insurance policies include emergency medical expenses and repatriation cover, this does not extend to 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, the last thing you will want, is to find you’re not covered and left to foot a hefty bill.

Having travel insurance for pre-existing medical conditions is the best way to ensure you’re protected in the event of having to cancel the holiday or needing emergency medical attention when away (terms and conditions vary).

What is Classed as a Pre-Existing Medical Condition?

A pre-existing condition is any type of medical condition that existed before you take out a policy. When applying for travel insurance with pre-existing medical conditions, you will need to complete a process called medical screening.

This is where you answer questions about your health. Insurers will want to know about any condition for which you take prescribed medication and any heart, circulatory, respiratory, stroke or cancerous condition that has EVER been diagnosed. It doesn’t matter if these conditions no longer affect your daily living, or if you feel they will not cause you a problem whilst away.

Failing to tell your insurer could invalidate the policy. Take a look at our ‘Medical Screening Guide’ for further information.

Costs of Travel Insurance For Pre-Existing Medical Conditions

The base rate for standard holiday insurance is calculated on age, destination and length of time away. The cost of the additional premium to cover existing medical conditions will be determined by the answers you give to the medical screening questions and will reflect the level of cover you require.

It’s not about the amount of medical conditions you have but a combination of current health status and the how expensive the healthcare is in the country you’re visiting. Take a look at our ‘Travel Insurance Destinations Guide’ to see which countries can affect your premium.

How to Find Cheap Travel Insurance for Pre-existing Medical Conditions

The best way to get a good deal is to compare prices from insurance providers across the UK. Not just quotes offered by the biggest and most well-known travel insurance companies, but also the more niche providers. Cheap holiday insurance with medical conditions can be found if you look in the right places – such as right here, at Medical Travel Compared. Our questionnaire will help you find an amazing deal. Fill it out, answering honestly and in as much detail as possible, and we’ll analyse what each and every provider can do specifically for you. Then, it’s up to you to decide which policy is right for you.

List of Pre-Existing Medical Conditions for Travel Insurance

You might be wondering if you need to specify a condition you have on your insurance forms. There are over 2,000 conditions that can be covered – here are a few of the most common:

If you have, or have had, any of the above apply to you – then you will need to reference this when you look for a quote.

Not all of the conditions that can be covered are listed here – as mentioned, the full list amount to over 2,000 conditions. This is just a small sample.

This way we can get you the best medical holiday insurance for your pre-existing condition.

Annual Travel Insurance with Pre-Existing Medical Conditions

At Medical Travel Compared, you can choose to get medical travel insurance quotes for a single trip, or as an annual policy.

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.

Annual medical travel insurance is potentially a money and time-saver. You won’t have to deal with the process of searching for quotes, and buying a policy, for each individual trip.

Single Trip Travel Insurance with Pre-Existing Medical Conditions

On the other hand, if you’re just planning the one holiday this year, a single trip travel insurance policy makes more sense.

That’s if you’re sure you won’t be travelling more than once. Sometimes people decide to plan a last-minute trip, which means they’ll have to purchase another policy.

If you’re the spontaneous type – and think this could be a situation you find yourself in – then an annual policy is probably better.

We’d recommend going with whichever option makes you feel the most comfortable. To get started, click on the Compare Quotes button at the top of this page.

If you are concerned about travelling with a pre-existing condition such as cancer, the NHS can provide information and advice about what to consider before you travel.

After buying travel insurance for pre-existing medical conditions or medical travel insurance,
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