Travel insurance with pre-existing conditions

Here are the top best Travel insurance with pre existing conditions voted by readers and compiled and edited by our team, let’s find out

Do I need to have had all of my Covid jabs to be covered?

As long as you’ve had all of the Covid-19 vaccines you’ve been offered, you should be covered. If you haven’t been offered some doses yet or you’re medically exempt then you can also be covered.

If you’ve refused any doses of the vaccine or haven’t been able to have a dose you’ve been offered, you won’t be covered.

What health conditions can you cover with travel insurance?

We look to cover the following medical conditions for travel insurance (but not limited to):

  • Mental health conditions
  • Neurodegenerative diseases
  • Digestive conditions (bowel or stomach)
  • Chronic pain
  • Heart conditions
  • Cancer
  • Back pain
  • Allergies
  • Breathing conditions
  • Eye conditions
  • Neurological conditions
  • Kidney conditions
  • Autoimmune disorders

What health conditions do I need to declare on my travel insurance?

When it comes to declaring your medical conditions on your travel insurance, it’s important to understand what you need to declare to make sure you’re covered.

You’ll need to tell us if you’ve ever had…

  • any circulatory or heart/cardiovascular conditions, even if the problem has been cured or is managed by medication.

Having any of these conditions at any point in your life can increase your risk of something going wrong while you’re on holiday. Make sure you mention if you live with any conditions such as high blood pressure and high cholesterol – however minor you think they might be.

In the past two years…

It is important to let us know if you’ve had any of the following or are awaiting:

  • Symptoms of a medical or psychological condition
  • Taken, been prescribed or awaiting surgery or treatment, including medication and procedures
  • Medical investigations or consultations
  • Non routine check-up and follow-up appointments

If you need to make a health related claim, you’ll be asked for your medical record from the past two years, so it’s important that your travel insurance matches your history.

Is it safe for you to travel?

We need to know that it’s safe for you and everyone on your policy to travel to make sure your policy is valid. Please make sure you can agree to all of the following statements:

You (and anyone on your policy) are:

  • Fit and able to undertake your planned trip
  • NOT travelling against the advice of a doctor (or would be if you asked their advice)
  • NOT travelling with the intention of having medical treatment, tests or consultations abroad

Covering your medical conditions is straightforward and can easily be done online or over the phone. We’ll take the time to explain everything and answer any concerns you have. We’ll never rush you.

When can’t we offer travel insurance for pre-existing health conditions?

While we consider all pre-existing medical conditions, there might be times when we’re unable to provide cover.

If this happens, we’ll talk you through your options as you may have the option to buy a policy that excludes your medical conditions or offer alternatives.

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