Medical Travel Insurance

Allergies – if you suffer from allergies is really important that you let us know

Asthma – whether you have mild or severe asthma, get a quick quote for tailored cover

Chronic Obstructive Pulmonary Disease (COPD) – if you have a lung condition like COPD, we may be able to cover you for medical emergencies abroad

Cancer –  your cancer diagnosis shouldn’t stop you from seeing the world

Breast cancer – whether you’ve just been diagnosed or you’re in remission, find out if we can cover your breast cancer

Prostate cancer – finding good cover when you have prostate cancer can be tricky, but we‘re here to give you a helping hand

Diabetes –  type 1 or 2 diabetes shouldn’t stop you from going on holiday

Epilepsy – epilepsy can affect people in different ways, so your cover can always be personalised to you

Multiple sclerosis – let us know if your multiple sclerosis is progressive, remitting, relapsing or benign when you take out cover

Parkinson’s – tell us about your Parkinson’s disease, and know we’ll be by your side when you need us most

Crohn’s disease – having Crohn’s disease shouldn’t stop you from getting away from it all

Diverticulitis – whether you’re living with symptoms of diverticulitis or you’ve had surgery, travel with confidence on your next trip

Gastric reflux – if you’re living with GORD, gastric reflux or excess stomach acid, make sure you’re properly covered

Gallstones and gallbladder conditions – gallstones and gallbladder conditions shouldn’t get in the way of a great holiday

Cataracts – if you’re living with cataracts, or awaiting removal or surgery, we may be able to cover you

Glaucoma – having travel insurance for glaucoma means you can enjoy your holiday with peace of mind

Angina – we may be able to cover you if you’ve had a coronary angioplasty or a heart stent fitted for angina 

Atrial Fibrillation– tell us about your history of atrial fibrillation and travel the world knowing we’re there when you need us

Cardiomyopathy – get the go-ahead from your doctor that you’re fit to travel and relax with cardiomyopathy travel insurance that’s tailored to you

Heart attack – if you’ve previously had a heart attack, as long as a doctor has given you the go-ahead to travel, we should be able to cover you

Heart conditions – don’t let your heart condition get in the way of a great trip

High blood pressure- get tailored travel insurance for your next holiday if you have high blood pressure or high cholesterol

Arthritis – make sure that you can travel to your favourite places, knowing that you’re covered if you need medical attention for your arthritis 

Back and neck problems– from a slipped disc to sciatica, if you’ve got a previous history of back or neck issues it’s important that you tell us

Hernia – having a hernia shouldn’t get in the way of a great holiday

Joint replacements – if you’ve previously had a joint replacement, let us know about your surgery

Osteoporosis – being diagnosed with osteopenia or osteoporosis shouldn’t get in the way of your next holiday

Deep vein thrombosis (DVT) – having DVT doesn’t mean you can’t enjoy a well-earned holiday; get the cover that’s right for you

Stroke – if you’ve had a stroke, tell us about your medical history to get tailored travel insurance

Transient Ischemic Attack (TIA)  – don’t let a mini-stroke stop you from travelling; we’re here to help you get covered

HIV – include AIDS or HIV on your travel insurance, and travel with a policy that meets your needs

Kidney conditions – whether you’re living with Chronic Kidney Disease (CKD), kidney stones, nephritis or renal failure, we know what’s what when it comes to travel insurance for kidney patients

Fibromyalgia – if you’re living with fibromyalgia, it’s important to choose specialist medical travel insurance

Thyroid issues – living with hyperthyroidism is considered a pre-existing medical condition, so you need to declare it on your travel insurance

Mental health – your mental health is just as important as your physical health. Get the right cover to travel with confidence and peace of mind.

Awaiting surgery – find out if you can get travel insurance if you’re if you’re awaiting surgery or undergoing treatment

We might not be able to cover you if:

✘  Your condition is life-limiting. If our doctor or GP has described your condition as life-limiting, we might still be able to offer you cover. But this would depend on your current health, when your trip is and where you’re travelling to.

✘  Your diagnosis is unknown. If you’re undergoing medical investigations or waiting for a diagnosis, we won’t be able to cover any claims related to any undiagnosed conditions. However, we still might be able to offer you a level of cover. Call us for free on 0800 033 4902.

✘  You’re not fit to travel. We also need to know that you’re fit enough to travel and that your doctors wouldn’t advise against travel.

In an emergency, contact the local emergency services first, and then call our 24-hour emergency helpline. Our team will help arrange your care and find the most appropriate place for treatment and follow up care. 

Our helpline is open 24/7, 365 days a year: 

• Calling from outside the UK: +44 1403 288 414
• Calling from USA or Canada: +1 844 780 0639
• Calling from Mexico: +1 819 780 0639
• Calling from the UK: 01403 288 414

If you or someone on your policy is admitted to hospital or your outpatient treatment is likely to cost more than £350, contact us as soon as possible.

Where you have a valid claim and your medical expenses exceed £350, we will look to settle the bill directly with the medical provider where possible. 

 If you have a non-urgent medical concern, such as sickness, headaches, or mild pain, contact our helpline first for advice on where to go for  assistance. 

Specialist travel insurance is another way to describe holiday insurance for medical conditions. It’s a specialist type of insurance that’s often not covered by a standard travel insurance policy.

It’s a term that can also be used to describe other types of ‘non-standard’ policy too, like winter sports, cruise insurance, and travel insurance for over 70s.

Excluding medical conditions from your insurance policy means you’re not covered for any related medical problems while you’re away.

You can’t currently exclude individual medical conditions from your insurance policy. We offer full cover for all of your pre-existing medical conditions. In rare cases, we may need to exclude conditions from your cover but we’ll make you aware of this.

If you are unsure on what needs to be declared you can speak to one of our friendly agents over the phone.

You don’t need to declare pregnancy when getting travel insurance, unless you have a pre-existing condition relating to your pregnancy.  

Your policy can cover certain complications of pregnancy, but only if the due date is more than 8 weeks after your trip ends, or 16 weeks if you’re expecting multiple births.
 

For a summary of what’s covered, check our insurance product information document. You can view the full policy wording with your quote. 

From the minute your insurance kicks in, we’re here to cover you if you need to cancel your trip because of illness. This includes whether it’s you who falls ill or someone you’re travelling with, staying with, or a close relative.  

For single trip policies, this starts from when you buy your travel insurance. For annual multi-trips, you can delay the start date up to 90 days in advance.  

Please read through our policy documents for more details.

Fit to fly means that it’s medically safe for you to fly. To have your medical conditions covered by travel insurance, you must be fit to travel, including flying.  

If you have a stable health condition, and your doctor hasn’t advised against travel or flying, then you can follow their advice on travelling safely. When in doubt, always speak to your doctor.   

Learn more about being fit to fly with medical conditions.  

If you’re taking medication abroad, there’s a few things to bear in mind to make your journey as smooth as possible. Here’s what you need to know about taking medicines abroad. 

Whenever you travel abroad, it’s a good idea to take out travel insurance. If you’re planning a trip to Europe with health conditions, you’ll want to get medical travel insurance that includes those conditions.  

You should take out medical travel insurance even if you have:  

• A Global Health Insurance Card (GHIC)  

• A European Health Insurance Card (EHIC) 

These schemes can help you access free or discounted treatment, but you may still pay significant costs towards your care. Your card also won’t cover you if you need to go to hospital for private treatment.  

A Global or European Health Insurance Card is only valid for countries in the European Economic Area, which does not include all countries in the European continent.  

Check our guide for more information about the switch from EHIC to GHIC.