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Here are some quick answers to some of our most common questions. Be sure to check out our Help Centre for more guidance.

You must have a permanent UK address, have lived in the UK for the last 6 months and be registered with a medical practitioner in the UK. All trips must start and end in the UK and you must purchase the insurance before you depart for your first trip.
If you are going on 2 or more trips a year, then an Annual Trip policy may save you money!
A pre-existing condition is a diagnosed medical condition that existed before taking out a policy. We'll ask a series of questions about the medical history for you and any travellers on your quote. If you answer yes to any of these, you will need to tell us about the traveller's conditions. This could be a condition that a traveller has now, or has had in the past. If you are not sure what conditions you need to declare, we have online support available to help you 24/7!
Most insurance providers will cover you for up to 45 days, however, there are a few who may be able to cover you for up to 94 days.
The number of trips is not limited on an annual policy so you can go away as many times as you want!
With annual trip cover, some insurance providers will have a maximum number of days that you will be covered for during the year so always check your policy wording. The maximum duration of a trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
Depending on whether you select European or Worldwide cover, your insurance provider will cover most countries within that area. However, there may be some countries that your insurance provider will be unable to cover you cover for, including any countries which the Foreign & Commonwealth Office have advised it is unsafe to travel to. Always check your policy wording if you are unsure if your country will be covered.
Some insurance providers will have age limits on their annual trip cover. If you are finding it difficult to get annual trip cover, we would recommend trying a single trip quote, as you are more likely to find cover this way.
If you have to cancel your Cruise, your insurance provider may be able to cover the cost of your pre-booked excursions and this will usually be up to a certain amount. We'll show you whether this is covered before you buy your policy.
Single trip cover usually can cover you for up to 45 days, but a few providers may be able to cover you for up to 94 days. If you are getting annual trip cover, there will be a maximum amount of days that you are covered for any one trip, but we'll let you know what this is for your quote!
Single trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days, however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover.
If you travel 2 or more times a year, annual trip cover may very well save you money. The maximum duration of any trip will always be specified and will vary by provider. But don't worry, when you get a quote we'll ask you what your maximum trip length is and only show you quotes which match!
Gadget cover, such as for mobiles, laptops and tablets, can be added as an optional extra to your quote. If you are going on a long trip, it may very well be worth ensuring you have gadget cover in place.
Once you've received a quote you can check your policy wording to make sure your winter sports activity is covered.

Yes - we’ve helped our customers compare specialist cover for hundreds of pre-existing conditions including anxiety and you can get a quote today if you like.

It’s possible to compare competitive quotes across specialist anxiety cover - although the premium will ultimately depend on how much cover you need based on your individual circumstances. Get a quote today and see for yourself!

It’s wise to declare your anxiety, just to ensure you have protection in place for your condition before you go away, or whilst traveling. 

Besides anxiety, you can get covered for a number of other mental health conditions including bipolar disorder, depression, eating disorders, OCD, PTSD and Schizophrenia to name a few.

Yes, we make it easy to compare specialist travel insurance for pre-existing medical conditions - including cover for heart conditions like atrial fibrillation. Get a quote.

Comparing competitive quotes for atrial fibrillation travel insurance makes it possible to find a suitable policy without costing the earth. So why not get a quote and explore a range of offers from different providers. 

Declaring any pre-existing conditions in relation to the heart is important - as it enables insurance providers to offer you the right type of insurance to cover you should anything happen as a result of your condition while abroad. Most travel insurance providers will need to know if you've ever had any diagnosed heart-related health conditions.

Provided you have the right cover, you can claim against any expenses you incur following a medical emergency in a country whilst on holiday.

Yes - you can declare gallstones as a pre-existing condition when using our quick and easy online quote comparison tool. From here you can find a suitable policy covering gallstones in a matter of minutes. Get a quote.

It’s possible to find competitive quotes across a range of leading providers. The most important thing is to find a policy that includes the right type of cover, rather than selecting the cheapest quote. Get a quote

While the EHIC provides a certain level of medical coverage, it's likely that the cover will be restricted - so it’s important to ensure that you purchase a specialist travel insurance policy to cover gallstones also.

Yes - we help you compare cover for specialist HIV travel insurance. Get a quote today and compare cover from a range of different providers. 

This depends on how much cover you need (which will be determined by the questions you might need to answer as part of the medical screening process). Get a quote to get an idea of what to expect.

This depends on the nature of your condition. For example, if you’ve had a recent diagnosis your premium might be higher, but if you’ve been taking medication for more than 3 months and your condition is stable - it’s likely to be lower.

With us you can compare specialist stroke travel insurance across a range of providers. Get a quote today and start comparing competitive cover before you embark on your trip.

Premiums vary depending on the nature of your condition - but it’s still possible to compare competitive quotes with us, and find a suitable policy for a reasonable cost. Get a quote.

Although not as serious as a stroke, if you have had TIA, you should absolutely purchase travel insurance that covers this particular condition. If you don’t, then any problems caused or lasting symptoms from the TIA whilst you’re on holiday may not be covered by your policy – and you could be left out of pocket should you have to seek medical help on your trip.  Get a quote.

We’ll only show you quotes from providers who are able to cover emergency medical expenses (including repatriation to the UK) if you catch the virus whilst travelling abroad.

Some of our providers are able to offer additional cover, such as cancellation cover should you catch COVID-19 or have to self-isolate because of suspected symptoms before departure. We’ll make it clear who these providers are when you’re comparing quotes so you can choose the policy that is right for you.

This doesn’t apply to all insurance providers, so unless otherwise stated, for all other sections of cover, you wouldn’t be covered if making a claim as a result of COVID-19.

For more information, we recommend reading our full guide here.

If the FCO are advising against all, or all but essential travel to your destination at the time of your trip, there will be no, or extremely limited cover provided by your policy.

You can still choose to take out a policy now for a future holiday, but it is very important to note that if the FCO are still advising against all but essential travel to your destination at the time of your trip, your cover will not be valid.

For more information, we recommend reading our full guide here.

No. We can search for travel insurance quotes for all ages. However, the number of annual multi-trip quotes for older travellers may be limited due to age restrictions imposed by the providers that we search. If you are unable to get an annual trip quote, try a single trip quote instead.
No. Cover can only be provided for trips that begin and end in the UK.
Yes. Only travel insurance providers that are authorised and regulated by the Financial Conduct Authority are allowed on our panel.
Most definitely! If you have no medical conditions to declare you will find quotes highly competitive. We specialize in finding competitive travel insurance quotes for everyone including senior travellers and travelling companions.
A pre-existing is any medical condition for which medical advice, diagnosis, care or treatment was recommended or received before applying for a travel insurance policy. Some conditions we'll need to know if they have ever been present, whilst some within a certain time period.
Medical expenses abroad and repatriation can be very expensive. Having travel insurance that includes cover for existing medical conditions is the best way to ensure you are protected from financial loss in the event of having to cancel the holiday or receive emergency medical treatment abroad.
Yes. It’s important to declare any past or present medical conditions. Failing to do so could invalidate your travel insurance policy and you may not be covered in the event of a claim.
No, we are unable to provide cover with any of your pre-existing medical conditions excluded.
Travel insurance policies exclude cover for medical conditions where treatment or surgery is pending. To obtain full cover, it is best to apply for travel insurance once the procedure is complete and the doctor has signed you off.
No, unfortunately, we're unable to provide a quote if you are suffering from an undiagnosed medical condition. As soon as you have been diagnosed you can visit us and get a quote.
No. Should a close family relative become unwell due to an existing medical condition, causing you to cancel or cut your holiday short, you will not be able to claim. Travel insurance for pre-existing medical conditions applies only to the travellers insured on the policy.
Yes. Whilst the EHIC can reduce the cost of necessary medical treatment when visiting countries within the EU, it is not eligible for use in private hospitals or treatment centres. Nor will it cover cancellation, curtailment or repatriation back to the UK.
Yes. Any changes to your health or medication that occurs before your departure need to be declared to your insurer.
You must be fit to undertake your planned trip. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad. Cover will only be provided for pre-existing conditions that you have declared and which your insurance provider has accepted in writing.
It's easy! Enter your details just once and you'll be able to compare quotes from over 40 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.
When applying for travel insurance online, you will be able to use our medical screening tool to declare all of your medical conditions. If applying over the telephone, a medical screening support assistant will guide you through the process.
Once you have selected a policy from our results list, you will be directed to the chosen insurers payment platform. Here you can make payment with a credit or debit card. We can also make payment to the insurer on your behalf by taking payment details over the phone. Cheque or cash payments are not accepted.
Your documents will be automatically emailed to you directly from your insurer. If you prefer to have your documents posted, please contact your insurer with this request.
Yes, but you will need to telephone us to process the application. We will then arrange to have the policy documents posted to you.
We share the information you provide to us with our panel of insurers for the purpose of arranging travel insurance only! We do not sell or share information with third parties.
You will need to contact your insurance provider. Contact details will be provided with your policy documentation.
You have a 14 day right to cancel period with any travel insurance policy. You will need to contact your insurance provider to cancel within this period. You are entitled to cancel providing you have not travelled or made a claim.
Full details of what you need to do to make a claim will be detailed in the Policy Wording provided to you by your insurance provider.
The start date will need to be the date you leave your home to start your trip, and the end date will be when you arrive back home. This includes any travel to and from an airport or port.
You will need to add each country that you are visiting. If you are on a flight stopover this will include any countries where you leave the airport. If you are on a cruise it includes any countries where your ship will be docking at.
Cape Verde is geographically within Africa and would not be expected to be covered under European cover. Confusion can arise as although it's not part of Europe, Cape Verde has adopted the Euro as its currency.
Some forms of business travel are covered under travel insurance policies, for example, attending business meetings, conferences or seminars. Other types of business are not covered, especially anything that involves manual work, professional sports or professional entertaining (e.g.. a musician playing at a concert). Always check your policy to make sure you have the cover you need.
Once you've declared all of your relevant pre-existing medical conditions we'll only show you quotes based on the conditions you have told us about.
It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions you can add your pre-existing conditions, one by one, for each traveller. You'll only need to enter your details once, it's all online and there's no need to call, or provide details of your conditions in writing.
If you don't travel much then a single trip cover is perfect as you can cover specific dates suited to your trip. If you have cancellation cover, you'll also benefit from this as soon as you buy your policy. If you travel 2 or more times a year, it may be cheaper for you to go for an annual trip cover. It's best to start your annual trip cover as soon as possible, as if you have cancellation cover, you'll only benefit from this from your policy start date.
Yes, you will need to declare if you, or any traveller, have ever had any diagnosed heart related medical conditions.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a cancerous condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Nearly all insurance policies will come with cancellation cover included. Cancellation cover will start as soon as you buy your single trip policy, or your policy start date for an annual trip (so you may want to start this cover as soon as possible). Cancellation cover will help you with the cost of your trip, including flights, accommodation and, in some cases pre-paid excursions. The cover limits will be the amount per person.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a respiratory condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from a diagnosed psychiatric condition. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
You should tell us about the medical condition that required the procedure/operation. We will then ask about any treatments in the follow-up questions if this information is necessary.
Yes, we'll need to know if you or any traveller on your policy has ever suffered from any circulatory conditions. So, this could be a condition that is present now or a condition that you've had in the past and have made a full recovery from. But don't worry, we'll ask you a set of questions relating to your condition to take your individual circumstances into account.
Some travel providers may be able to provide some cover, but the value might not be enough to cover the cost of your item - it's always best to check your policy wording, it will usually be found in the baggage or personal belongings section. You may also like to check your home insurance policy - this can sometimes allow cover for your mobility aid whilst away from home but may be limited to within the UK. If your mobility aid cannot be covered in either of these ways, you may like to consider taking out specialist insurance.
No, after you've declared your medical condition using our online screening tool - you are done! There's no need to confirm your conditions in writing with your insurance provider. The only time you may have to provide written evidence is in the event of a claim.
If you are taking out single trip cover, and have cancellation cover included, you'll be covered for cancellation from the moment you buy your policy. However, if you are taking out annual trip cover, and have cancellation cover included, you'll be covered from the start date of your policy. Consider starting your annual trip cover as soon as possible, especially if you have already booked your trip!
Cancellation amounts will be per person. So, if you were going on a trip for 2 people which cost £1,000 in total you would ideally need cancellation cover for at least £500.
If you're taken ill or have an accident abroad your travel insurance policy will repatriate you once you are well enough to travel. It is included within your medical cover. The insurance provider's Emergency Assistance team will help organise this along with the medical team who are treating you. If you are travelling in the UK, check repatriation with your insurance provider to see what is included.
Annual and Single policies can be arranged for individuals, couples, families and groups. An individual policy provides cover for one person only. A couple is two individuals living at the same address. A family is either one or two parents travelling with their child or up to 10 children (under 18 years) for whom they are legal guardians and who all reside together.  A group is 2 or more people travelling together, regardless of their relationship, up to a maximum of 12. Check with your insurance provider whether everyone insured on an Annual policy must live at the same address.
Yes, on an annual trip policy, anyone named on the policy can travel separately.
With the UK set to shortly leave the European Union, we know this is a worrying time for a lot of people. If you are concerned about any effect Brexit may have on your travel plans, we've created a handy guide to Brexit here https://www.medicaltravelcompared.co.uk/travel-blog/travel-tips/our-guide-to-brexit/
There is a wide range of cover available for over 50s - across all of the specialist providers we work with. Our online quote comparison tool enables you to define exactly what type of cover you need before purchasing.
This refers to a series of questions you’ll be asked once you declare your pre-existing medical conditions. This helps us form a better understanding of your medical history, so we can provide you with the most relevant quotes.
Broadly speaking, this varies from provider to provider. For example certain providers might have certain specific exclusions - such as duration of cover per trip. Either way, you should always check the providers full list of exclusions before purchasing.
Since we work with such a long list of specialist providers, there is plenty of choice available for over 60s as far as travel insurance is concerned. Our tool enables us to find you the most relevant quotes based on your individual requirements.
Age does have an impact on the cost of insurance - and the older you are, the higher your premiums are likely to be. That being said, you should always assess cost on a policy by policy basis - and with Medical Travel Compared you can easily compare cover to find the best value.
Mostly details regarding your trip(s) - including location and how long you plan to be away for (per trip). You’ll need to know exactly what dates you need to be covered for - as you don’t want to end up out of pocket by telling your provider the wrong dates!
This depends on the provider - some might have exclusions, some will not. Always check if your prospective provider has a list of notable exclusions you can look at before you proceed to buy a policy from them.
Again, some providers might limit the number of days you can be covered for per trip - so it’s important to check this before purchasing.
Over 65s can compare different types of cover thanks to the sheer number of providers we work with. We can also find you cover for your pre-existing medical conditions.
Travel insurance is an important part of planning a holiday - no matter how old you are. Therefore, it’s important to ensure you get it before you travel - including cover for pre-existing medical conditions.
Cost varies from provider to provider - but usually things like age, destination and duration of stay are the main factors that apply in terms of cost.
The base rate for standard holiday insurance depends on your age, the destination and the duration of your trip. This cost increases if you have a pre-existing medical condition or are going on a high-risk trip, such as skiing. The price also increases with age because we become more prone to health issues as we get older. All of this is taken into account when calculating the cost of your insurance policy.
With us, you can find insurance covering most destinations worldwide - regardless of age.
We’ll search across a range of providers to find you cover for any worldwide destinations you tell us about.
Most policies will include medical cover - just ensure there is enough to keep you protected in case you end up making a claim.
In most cases you will need to get additional cover for these activities. You can select these from our optional extras menu before listing your personal details.
Yes, we compare policies from over 40 specialist providers to find great cover for people who suffer from COPD. Get a quote now.
The cost of travel insurance will depend on the severity of your condition, amongst other factors. However, it is possible to find cheap cover, and at MTC, we compare cover from as little as £10.95*. Get a quote now.
Yes, we compare policies from over 40 specialist providers to find great cover for people who suffer from asthma. Get a quote.
The cost of travel insurance will depend on the severity of your condition, amongst other factors. However, it is possible to find cheap cover, and at MTC, we compare cover from as little as £9.44*. Get a quote now.

Yes, we compare policies from over 40 specialist providers to find great cover for people with angina.

Get a quote.

The impact of angina on the price of your policy will depend on your individual circumstances, and we’ll ask you a few short questions to make sure we understand your health condition better. 

 

It is possible to find cheap travel insurance for those who have angina. We can help you find cover from as little as £18.43.

Get a quote

Yes, angina is one of the health conditions which you need to tell us about. It’s really important that you declare health conditions like angina when you take out cover. If not, and your condition flares up, you may find yourself having to cover some unexpected bills such as medical treatment when you’re away, or the cost of the holiday itself if you need to cancel.

Air travel immediately after you’ve had a stent fitted comes with high risk. It’s usually recommended that you wait at least a week before flying, but check with your GP first. Considerations like this are why it’s so important to have the right cover in place.

Yes, we compare policies from over 40 insurance providers to find specialist cover for people who have lung cancer.

Get a quote

The cost of your policy will depend on your own circumstances and condition, which we’ll be able to better-understand once we’ve asked you a few short questions. With Medical Travel Compared, cover starts from as little as £9.88.

When you get a quote through us, we’ll ask you a few short questions and let you add lung cancer to your cover - it’s quick and easy. You'll need to tell us if you've ever been diagnosed with lung cancer.

When you tell us about lung cancer, we will ask you if it spread to other parts of the body. We'll only show you quotes that take this into consideration.

We'll ask you if you are undergoing chemotherapy and will only show you quotes that take this into consideration.

Yes, we compare policies from over 40 specialist providers to find great cover for people who have a hernia or have previously had one. 

Get a quote

When finding a quote through us, we'll ask a few short questions to find out which health conditions you'll need to tell us about. You will likely have to tell us about a hernia if you have seen a medical practitioner or been prescribed medication for it within the last 2 years.

Yes, it is possible to find cheap cover. We can help you find hernia cover from as little as £9.44.*

Your GP will be able to advise you on whether or not you’re safe to fly, depending on your hernia condition. We recommend that you speak to them before you book.

We can help you find travel insurance for many different types of hernia conditions, including: 

  • Diaphragmatic hernia
  • Herniated vertebral disc
  • Hiatus hernia 
  • Inguinal (groin) hernia

Get a quote

Yes - we compare policies from over 40 specialist providers to find great cover for people who have had a pacemaker fitted. 

Get a quote

The impact your pacemaker has on the price of your policy will depend on your individual circumstances. We’ll ask you a few short questions so we can understand your health condition better. We compare pacemaker cover from as little as £9.88*

Get a quote

Yes. Standard travel insurance policies might not cover you for health conditions - such as having a pacemaker - so it’s important to get specialist cover that will. If not, you won’t necessarily be covered for any medical or other unexpected bills you might face due to your pacemaker. 

It’s easy to tell us about your pacemaker using our online medical screening tool.

Having a pacemaker shouldn’t stop you from getting travel insurance.  We work with specialised providers to make sure policies can be tailored to suit you and your needs.

Many of our specialist providers will be able to offer cover for travellers over the age of 90.

We’ll search across a range of providers to find you cover for any worldwide locations you tell us about.

We’ll ask you for details of your trip and what cover you need. You’ll also be able to tell us about any medical conditions using our simple online screening tool – no need to call a provider or write to us - and the cost of your travel insurance will be calculated. It’s that easy!

Get a quote

A pre-existing medical condition is a diagnosed health condition that exists before you take out a policy. When you get a quote through us, we’ll ask you a few short questions about your medical history. Because we know it’s important that we take your own circumstances into account, we may ask you for a bit more information if we need it.

If you’re not sure what conditions you need to tell us about, we have online support available to help you 24/7.

It's really simple and quick to do! After you've told us about your trip details and answered some medical history questions, you can add your conditions, one by one, for each traveller. You'll only need to enter your details once - it's all online - and there's no need to call, or provide details of your conditions in writing.