Travel Insurance for Pre-Existing Medical Conditions

Accidents can happen anywhere, and to anybody, at any time. If they happen when you’re on holiday you may need medical treatment abroad – that’s why people take out Travel Insurance with cover for  pre-existing conditions, to cover potential medical bills. If you have a pre-existing medical condition, the type of treatment you need may be more extensive and costly, so you need to make sure your insurance covers these conditions. That’s where we come in – we specialise in Travel Insurance for people with pre-existing medical conditions – when you get a quote we will ask you a few questions regarding medical history and you will then be able to declare your medical conditions. Failing to declare your medical conditions could leave you paying for treatment out of pocket, so it is important that you declare any and all pre-existing medical conditions.

Accidents and emergencies can happen while away from home and medical bills can quickly mount up. Travel Insurance for those with medical conditions (with cover for your pre-existing conditions) is there to provide peace of mind that if that does happen, the costs will be covered. We work with multiple insurers who specialise in Travel Insurance for pre-existing medical conditions including physical and non-physical conditions, such as heart problems, high blood pressure, cholesterol, diabetes, asthma and anxiety and depression. We offer policies that cover emergency medical and hospital expenses and repatriation (the cost of getting you home) up to £15,000,000. Please note the amount of cover does vary between insurers but this is clearly marked alongside the price.

Some insurers do have restrictions when it comes to age, medical and destination, but we work with multiple insurers with the aim of being able to provide Travel Insurance for people of all ages, wherever you’re going, covering all medical conditions. On the rare occasion, we cannot, we will signpost you somewhere we think can help you find pre-existing conditions Travel Insurance. Always remember there is no cover if you choose to travel to a destination where the FCDO has advised against all, or all but essential travel.

Not always, but sometimes – it depends on what the condition is and a host of other factors. If you’re looking for cheap Travel Insurance for pre-existing conditions, that is still possible, but always look at the price against the risk – for example if you have a heart attack or a serious accident in the USA, you could be looking at an eye-watering bill. The ABI found that in 2022 the average claim was £1,950 for those aged 71-75, whereas the average policy was £109. Some low-level medical conditions are covered at no additional cost, but it’s just as important they are declared should you be hospitalised on holiday – others will carry an additional premium, although this is all calculated behind the scenes and we simply show you the total price to pay. 

At Just Travel Cover we specialise in pre-existing conditions Travel Insurance, including for those who have suffered heart attacks, had a heart bypass or are living with angina. Declare your heart conditions along with any other medical conditions you have when completing the quotation process and we will present a range of options for you. Each insurer has different limits for medical expenses and varying excesses, but all insurers on our panel will provide cover for heart conditions so you can enjoy your holiday with peace of mind that you’re covered. 

Yes, diabetes is probably the most common pre-existing medical condition with more than 5 million people in the UK living with type 1 or type 2. If you need medical care for your diabetes or anything related when on holiday this would not be covered unless declared on your Travel Insurance policy.

Yes, cancer is classed as a pre-existing medical condition and you must declare it whether in remission or not. Getting Travel Insurance when you have had cancer or currently have cancer can be intimidating and you might fear it will be expensive. However, it doesn’t have to be. We work with a panel of specialist medical Travel Insurers to provide you with high-quality and affordable cover for cancer. These cover terminal prognosis, remission or a specific type, such as breast cancer, prostate cancer, lung cancer, lymphoma and more. Like all pre-existing medical conditions, we ask you to follow the medical screening questions or call us for further support and make sure your GP gives you the all-clear for travel.

Mental health conditions such as anxiety and depression are classed as pre-existing medical conditions and need to be declared on your travel insurance policy. We specialise in Travel Insurance with pre-existing conditions including mental health conditions. For example, you would be covered for emergency medical treatment while on holiday, although cancellation cover varies by insurer. 

Here at Just Travel Cover, we specialise in Travel Insurance for people with pre-existing medical conditions. The aim of all Travel Insurance is to cover the cost of the unforeseen, such as illness or injury on holiday, theft of your belongings, or if you need to cancel your trip or return home early. It’s the same if you have a pre-existing medical condition, but having specific cover will mean you’re covered for the cost of care for your existing condition too. If you do not declare your pre-existing conditions, you are unlikely to be covered for any treatment for them, which could lead to hefty medical bills.

We work with multiple insurers so we can provide policies for people of all ages. Some of the specialist providers we work with have no upper age limit, and when you enter your details we will only show you prices of Travel Insurance providers who can cover you. This way, you can compare medical Travel Insurance at ease.

At Just Travel we work with multiple specialist insurers to help find a policy to suit your needs. Typically, we will offer you bronze, silver and gold from each insurer so you can compare and choose the option that best meets your needs and budget. If we cannot provide a quotation due to your pre-existing medical conditions, we will signpost you to a company that we believe can help you find Travel Insurance for pre-existing conditions.

Having pre-existing medical conditions typically increases the cost of Travel Insurance because insurers view these conditions as a higher risk, leading to a greater likelihood of claims. However, you can find affordable Travel Insurance for medical conditions by comparing policies, seeking specialised insurers, or opting for tailored policies that match your specific health needs. At Just Travel Cover we cover hundreds of pre-existing medical conditions and can compare policies for you. We will only show you policies specific to your pre-existing medical conditions and give you different options to meet your budget. Remember, it’s important to declare all medical conditions as failing to do so could make your policy void and cost you a lot of money in the long run. When choosing a policy, do not compromise on quality. Balance affordability with adequate cover for your conditions.

Travel insurance for terminally ill patients typically includes cover for medical treatment abroad, emergency medical expenses, repatriation costs, and cover for cancellation and curtailment due to medical reasons. Cover details and excess can vary depending on your conditions, so it’s vital to review policy wording carefully or speak to one of our advisors.

When applying for Travel Insurance, you’ll be asked to complete a medical screening process, either online or over the phone. During this process, you should declare your terminal illness along with any other pre-existing conditions and their severity. For example, once your medical condition is declared, you will be asked to provide details about your diagnosis, treatment, and medication.