Tommy Lloyd
Author: Tommy Lloyd, Managing Director

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

Originally posted: 1st Sep 2022

Compare travel insurance for back problems

Finding the right travel insurance for back pain can almost feel as painful as the ailment itself. It can be rather tricky to find cover for back problems, as some insurers exclude pre-existing medical conditions.

However, there are a range of insurers who can provide the perfect cover for your condition. It all comes down to research and putting in enough information to be able to compare travel insurance for back problems, which come in many forms and levels.

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Does a back injury qualify as a pre-existing condition?

If you suffer from back problems, and have been formally diagnosed by a specialist – you may need to declare this when you take out a travel insurance policy. Whether it is a chronic back condition or a more acute issue, you can always add this to your policy at the time of submitting all of your details.

Any condition that you have been formally diagnosed with prior to travel is considered to be a pre-existing medical condition.

Insurance providers will take a closer look at your medical history once you disclose that you have a pre-existing medical condition. This is just where you answer questions about your ailment or health complaint to give the insurers a better idea of how this may impact your day-to-day life.

Should I declare back pain when taking out insurance?

If you’ve been diagnosed with a back injury, even if it seemingly comes and goes – you may need to declare it to your insurance provider. If it’s something that you know about prior to taking out cover, it may flare up during your trip and if you know this beforehand, then you need to protect yourself from the outset.

If you don’t declare them at the starting point of taking out a travel insurance policy, then your insurance provider may challenge you in the event of a claim. This would mean that you risk not being paid out compensation, because the insurer did not know that this posed a threat to your health – even in a small way.

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What types of back injury can I get cover for?

There are a wide-ranging number of back problems that people can suffer from. These can be anything from sciatica to a slipped disc, osteoarthritis and rheumatoid arthritis, or fractures to the back, and many more.

We can even find you cover for a completely broken back, or if you are awaiting further investigative scans or surgeries.

What does travel insurance for back problems cover?

Depending on what your needs are, we can offer cover for back problems from trips lasting under short trips to multiple trips. Within this, we offer cover for medical expenses, personal accidents, travel cancellation and delays, baggage claims and more.

We can also provide comprehensive cover to include tailored policies with a higher amount of excess, if required. In summary, we offer a range of different types of cover to meet the specific needs of many types of back complaints.

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It’s imperative to declare all relevant back problems when you are looking for cheap travel insurance. For the sake of just a few minutes, you can have a stress-free break knowing that you have taken out appropriate cover.

This means that in the event that something does go wrong while you’re on your holiday, you know that you can seek treatment without any financial repercussions.

The key is to shop around and compare travel insurance for back problems - this will enable you to find the cheapest deal.

Get the ball rolling by filling out our simple online application, then we can email over to you a quote within minutes.

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Frequently Asked Questions

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!

It is 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.

Once you've declared all your relevant pre-existing medical conditions, we'll only show you quotes based on the conditions you have told us about.

No, we are unable to provide cover with any of your pre-existing medical conditions excluded.

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 multi-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.

* Price is based on 1 traveller aged 61, who has declared Back Problems and is travelling to France for 7 nights. The price is correct as of July 2024. Prices may vary according to your individual requirements.

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Don't just take our word for it...

If we're unable to help you find cover for a pre-existing medical condition, the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their website.