Pre-existing Medical Conditions Travel Insurance

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We don't believe a pre-existing medical condition should get in the way of your travel plans. At Essential Travel, our travel insurance is tailored to enable those with medical conditions to continue travelling, so even if you’ve been turned down by other insurers, it is very likely that we’ll be able to help.

We can provide tailored travel insurance for those aged up to 75 years old who have pre-existing medical conditions. We can provide cover for single, annual and backpacker trips, for travel insurance in the UK, to Europe and worldwide. And if you plan on sailing the seas or hitting the slopes, our specialist cruise travel insurance and winter sports add-ons may be able to help you there too. Obtaining a quote is quick and easy, just follow the steps above and you will be directed to our online medical screening. If you'd prefer, you can call our friendly UK call centre.

Travel insurance with pre-existing medical conditions can cover:

Do I need Travel Insurance with Medical Conditions?

We understand that not everyone has a perfect medical record, but it doesn't need to hinder your travel plans or break the bank. Check below if you think you may need cover for a medical condition or for more information visit our FAQ section.

What is a pre-existing medical condition?

Pre-existing conditions are medical conditions that existed before an insurance policy was taken out. Any disease or illness for which you have ever received medication, advice or treatment or experienced symptoms for will need to be declared to us.

This includes:


Should I declare my medical condition?

It is very important that you declare any medical conditions, either using our online medical screening, or by calling our customer services. Failure to declare any medical conditions may invalidate your entire policy.

However, once you have declared your condition you can choose to exclude it from your policy. This means that should you require any medical treatment related to or for this condition whilst you are away, it won't be covered by your insurance. You will still be covered for medical treatment that is not related to your condition.

Medical screening process

When you declare a medical condition it is likely that you will be taken through our medical screening process. You may be asked to answer some in-depth questions and required to disclose some personal details on your condition. While this process may seem long, it is vital for us to build a comprehensive picture of your condition in order to tailor your policy specifically to your needs.

How do I add a medical condition?

It is easy to add a medical condition to your policy. If you want to take out a policy online you can follow the steps below. Alternatively, you can call our UK call centre on 0871 360 2712 for a tailored quote.

Diabetic UK Travel Insurance

Diabetes is very common in the UK but it shouldn't put you off taking a well earned holiday! We can provide travel insurance for diabetics at a time where important things such as diet and body clocks may alter from the norm. You will be guided through our online medical screening to find a personalised level of cover to suit your trip.

What is a pre-existing medical condition?

Pre-existing medical conditions are those that existed before an insurance policy was taken out. Any disease or illness for which you have ever received medication, advice or treatment or experienced symptoms for will need to be declared to us.

Why buy cover for a medical condition?

Travel insurance with pre-existing medical cover is designed so that if you do fall ill from your condition while away from home you can be covered. Health care costs, repatriation and emergency transportation can cost thousands of pounds, especially abroad, so taking out cover to protect your health and your wallet will give you peace of mind should anything happen.

How does the medical screening process work?

When you declare a medical condition it is likely you will be taken through our medical screening process. You may be asked to answer some in-depth questions and required to disclose some personal details on your condition. While this process may seem long, it is vital for us to build a comprehensive picture of your condition in order to tailor your policy specifically to your needs.

Will you need to know what medication I am taking?

No. We will need to know the names of your medical conditions and any treatment you are having, have had or have scheduled, but not the names of your medication.

Can I declare and then exclude a pre-existing medical condition from a policy?

We recommend that you let us know about any medical conditions you have, you may even discover that some are included at no extra cost.

You do have the option, if you wish, to declare a medical condition which you can then exclude from the policy. This means that you can be covered for everything else on the policy but will not be able to make a claim for anything related to the medical condition you have declared and then excluded.

No matter how minor you think a medical conditions may be, it is always worth declaring it. Some common ailments are likely to be covered as standard.

Can I also add winter sports to a travel insurance policy if I have a pre-existing medical condition?

Yes. As you make your way through the booking process you will be given the option to add winter sports to your insurance policy. We can provide cover for 26 winter sports (below) in the same quote, including skiing and snowboarding, which will provide a maximum of 17 days cover for those aged between 2 - 65 years old.

No helmet, no insurance

It is important to remember that it is compulsory to wear a helmet while participating in these activities in order to be fully covered by our winter sports travel insurance policies.

Does winter sports cover include skiing off piste?

If you add winter sports cover to your travel insurance policy, you are automatically covered for skiing off piste (skiing outside the boundaries of the prepared piste and marked runs, and beyond the area controlled by the ski patrol) provided you are accompanied by a qualified, resort-approved guide or instructor. If you plan to ski without a guide, you need to select Grade 4 sports cover and pay the additional premium, but please note you will not be covered for any reckless behaviour or for skiing in restricted areas.

Winter Sports covered in the same quote:

  • Air boarding
  • Glacier Walking
  • Big Foot Skiing
  • Huskey Dog Sledging organised and non-competitive
  • Blade Skating
  • Ice Karting
  • Bum Boarding
  • Ice Skating
  • Cross Country/Nordic Skiing
  • Ice Windsurfing
  • Dog Sledging
  • Kick Sledging
  • Dry Skiing
  • Langlauf
  • Ski - blading
  • Snow mobiling
  • Skiing - alpine
  • Snow Shoe Walking
  • Skiing off piste with a guide
  • Snow Tubing
  • Skiing on piste
  • Tobogganing
  • Sledging
  • Winter Walking (using crampons and ice picks only)
  • Sledging pulled by horse or reindeer as a passenger
  • Snow boarding

What sports am I covered for if I declare a medical condition?

Essential Travel covers 110 sports as standard, at no extra cost. However if you would like to take part in more adventurous activities we provide hazardous activity cover that can be added as you make your way through the booking process.

These activities are graded 1 to 4 depending on the level of risk they pose to you. Grade 1 activities are considered low risk and will be covered on any Essential Travel Insurance policy at no extra charge, but Grades 2, 3 and 4 activities will add an additional charge to your premium. After selecting your level of cover you will be prompted to add any hazardous activities you wish to participate in while on holiday.

If you are taking a golfing holiday, we advise that you take our Golf Travel Insurance to benefit from specialised equipment and green-fee cover.

Will my holiday destination affect my premium?

Where you are travelling in the world may have a bearing on the premium you pay to cover your medical conditions. Destinations such as North America and the Caribbean have some of the most expensive health care services in the world and travel to these destinations can have a bearing on your premium depending on your condition.

How do I upgrade my level of cover and increase geographical limits?

Please contact us to upgrade your policy to include additional winter sports cover, Superior cover, additional grades of sports cover or increase the geographical limits of your policy, (eg. Upgrade from Europe to Worldwide cover).

Please note: We are unable to downgrade your policy.

How do I cancel my policy?

To ensure that you have chosen the right policy and level of cover to suit your needs, you can cancel your annual travel insurance within 14 days and receive a full refund.

If you wish to cancel your policy during the cooling off period, please contact us to cancel. Outside of the 14 days' cooling off period, please contact customer services.

Please note: It is not possible to cancel a policy once it has commenced.

As you make your way through the booking process you can customise your annual holiday insurance policy - with the option of adding extras such as winter sports, hazardous activities and business trip cover.

Winter Sports

Adding Winter Sports cover to your Single, Annual or Backpacker insurance policy allows you to take part in over 25 winter sports, as well as providing:

Medical Cover: you will be covered for emergency medical expenses that occur should you have an accident and require medical attention including cover for mountain rescue, helicopter rescue costs and repatriation

Equipment: Winter Sports cover also provides peace of mind against any theft, loss or damage to your personal or hired equipment as well as any pre-paid fees.

winter sports cover →

Golf

Regardless of your handicap, cover for your golf equipment and pre-paid green fees can be added to your policy giving you nothing else to work on except your game.

Simply add extra golf protection to your Single, Annual Multi or Backpacker Trip policy to add extra protection for:

  • Your Personal Equipment up to £1000
  • Hired Equipment up to £200
  • Pre-paid Green Fees up to £300
golf trip insurance →

Business

Self employed or working for a company, if you travel for work you can add extra protection against accidental loss, theft or damage to your business equipment to your Single, Annual Multi or Backpacker Trip policies.

Business cover protects equipment such as cameras, mobiles, laptops that you may need to work or have with you in meetings.

business trip insurance →

Cruise

Sail the seas worry-free by adding extra cover for missed port, cabin confinement and unused excursions to any of our Single, Annual Multi or Backpacker Trip travel insurance policies.

Cruise cover will add extra protection for:

  • Extended baggage cover up to £3,500
  • Missed shore trips up to £500
  • Cabin confinement (due to illness) up to £600
  • Valuables up to £700
cruise insurance →

Wedding

If you're planning on tying the knot abroad, extra cover for accidental loss, theft or damage to your wedding clothes, rings, gifts and photos can be added to your Single, Annual Multi or Backpacker Trip policy, to help ensure that your special day is everything it’s meant to be.

  • Wedding Clothes up to £1500 per person
  • Wedding Gifts up to £1000 per couple
  • Wedding Rings up to £250 per person
  • Wedding Photographs up to £750 per person
wedding travel insurance →

Excess Waiver

Should you need to claim on your travel insurance an Excess is the amount that you'll have to pay before we pick up the rest of the bill.

Avoid paying any excesses by adding the Excess Waiver option to your Single, Annual Multi or Backpacker Trip policy.

find out more →

Independent Traveller

If you've packaged your holiday yourself (without the help of a travel agent) add the Indepentent Traveller add-on will provide cover for additional scenarios such as:

  • Extended Cancellation and Curtailment: If you need to cancel or return home early because your booked accommodation becomes unreachable and unusable due to a travel ban or evacuation
  • Extended Delayed & Missed Departure: Not only will we pay you for the first 12 hours of delay, we'll also help with pre-paid travel, accomodation & any alternative travel arrangements you may need to make
find out more →

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