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Travel Insurance for Pre-Existing Medical Conditions

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  5. For UK and ROI residents only

From only £7.88 per Week

From only £7.88 per Week

Pre-Existing Medical Condition Travel Insurance

Don't let your pre-existing medical conditions stop you from going on holiday. You can add extra medical cover to any of our Single Trip, Annual Multi Trip or Backpacker policies in minutes by completing our quick and easy online medical screening questionnaire and obtain a tailor made quotation for covering your condition. It couldn’t be easier!

What is as a pre-existing medical condition?

A pre-existing medical condition is any health/medical condition that exists, has been diagnosed, treated, known about or has been/is currently under investigation prior to the start date of the policy.

It's Easy to add extra Medical cover for your condition

  • Complete the quote form on the left
  • Choose from 4 cover levels
  • Fill in your personal details
  • Answer the medical questions to see if you need to declare your condition

Travel Insurance policies include:

  • Medical Expenses up to £10 million (Superior cover only)
  • Hospital Benefit up to £1,200
  • Personal Accident up to £30,000
  • 24 Hour Emergency Assistance

Experts' Top Tip - If you decide not to purchase the pre-existing medical conditions insurance, rest assured that you will still be covered for any emergency medical treatment that you may require unrelated to your condition.

Quick & Easy Online Medical Screening

The online medical screening process is quick and easy but if you have any other questions or need any further assistance you can call our customer service team on 0845 803 5434.

Medical Conditions NOT Requiring Additional Cover

We provide cover for over 70 medical conditions at no extra cost on our travel insurance policies. If your condition is listed in the table below we will cover it as a standard and you will not require additional medical coverage.

Medical Conditions Covered as Standard
Achilles Tendon Injury Eczema Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue)
Acid Reflux Epididymitis Nasal Polyp(s)
Acne Essential Tremor Neuralgia
Allergy (requiring non prescriptive treatment only) Fungal Nail Infection Neuritis
Anal Fissure / Fistula Gall Bladder Removal (if more than 3 months ago) Nut Allergy
Attention Deficit Hyperactivity Disorder (ADHD) Gastric Reflux Pelvic Inflammatory Disease
Blindness Glandular Fever Psoriasis
Benign Prostatic Enlargement Glaucoma Reflex Oesophagitis
Broken / Fractured Bones (not head or spine) Gout Rheumatism
Carpal Tunnel Syndrome Hayfever Rhinitis (Allergic)
Cataracts Hemorrhoids (Piles) Shingles (Herpes Zoster)
Colds or Influenza Hernia (not Hiatus) Shoulder Injury
Colitis (no hospital treatment in last 12 months) HRT (Hormone Replacement Therapy) Sinusitis
Cosmetic Surgery (not gastric banding) Hysterectomy (provided carried out more than 6 months ago) Sleep Apnoea
Cuts & Abrasions (non self inflicted) Irritable Bowel Syndrome Tendon Injury
Cyst Breast (Benign) Macular Degeneration Tonsilitis
Cystitis Menopause Underactive thyroid
Diarrhoea and/or vomiting (resolved) Menorrhagia Rhinitis (Allergic)
Dislocated Hip Migraine (confirmed diagnosis, no on-going investigations) Uriticaria
Dyspepsia Myalgia (Muscular Rheumatism) Varicose Veins legs only (if GP has confirmed that client is fit to travel)

Don't want to add extra Medical protection?

If you have a medical condition we strongly advise that you declare it. However, if you do not wish to add the extra cover, you can choose to exclude cover for your condition from your policy after you have completed the easy online medical screening process.

You may be interested in this magazine article..

What Counts As A Pre Existing Medical Condition?

What Counts As A Pre Existing Medical Condition?

Knowing whether you have a pre-existing medical condition is vital to ensuring that you have adequate health cover. Our Q & A team tackles the common question of what exactly a pre existing medical condition is. Read More

Add Extra Cover

You can customise your policy further with pre-existing medical condition cover, sports and a number of other specialist add-ons.

Do You Need to Declare a Medical Condition?

If you have a pre-existing medical condition it’s vital that you declare it or you could invalidate your entire policy. Insurers don’t like to think that you’ve hidden things from them and you may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. What’s more, you even have the option to declare a condition but then exclude it from your policy. What this means is that you’ve told your insurer about your condition but decided not to cover it, so you will be covered medically for anything unrelated to that condition.

Pre-Existing Medical Conditions

Specialist cover can be added to your policy in minutes via our easy Online Medical Screening system.

Do You Need Extra Sports or Specialist Cover?

A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.

Hazardous Sports and activities

If you want to play sport on holiday, make sure you do so safely by adding the correct sports grade to your policy.

100+ sports are covered at no extra cost on our policies!

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