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.

COVID-19 Cover Update

We’ll only show you quotes from providers who are able to cover emergency medical expenses if you catch the virus abroad, and some of our providers are able to offer additional cover. Please see the below frequently asked questions, or read our full guide for more information.

Is depression a pre-existing condition?

Yes – depression is classed as a pre-existing medical condition once you have had a full diagnosis from a general practitioner or any other medical specialist qualified to do so.

Essentially, the definition of a pre-existing medical condition is something that existed prior to you taking out a policy.

Therefore, you would need to declare it to your travel insurance provider. In order to get access to the best quotes – you may need to answer a few specific questions when asked about your medical history.

All in all, there is an extensive list of over 2,000 medical conditions that can be covered and defined as pre-existing. Besides depression, this includes conditions like asthma, HIV, various heart conditions, lupus, different types of cancer, and high blood pressure to name a few.

Check out our pre-existing medical conditionspage for more information on what does or doesn’t count as a pre-existing condition.

Does depression affect travel insurance?

It can often be a common misconception that living with depression, or any other pre-existing medical condition for that matter, is likely to make your travel insurance much more expensive.

This is not necessarily the case. It depends on your own personal circumstances, including how much medication you’re taking, or what type of depression you have (you can search quotes for depression or manic depression, where the symptoms can be more severe).

Regardless of the premium – it’s always advised to consider the overall policy benefits over getting the cheapest deal.

By taking this approach, you are effectively ensuring that you’ve got cover should something go wrong.

Declaring depression on travel insurance

Declaring depression as a condition is vitally important in terms of getting the right level of cover to suit your specific situation while you travel.

Once you have declared depression, you will be asked a number of questions relevant to your condition. You will need to specify whether you have had a compulsory admission to the hospital as a result of depression within or beyond the last five years – and you may be asked to specify how many times you have been to hospital during this time.

You may also be asked whether you have been referred to or treated by a psychiatrist and whether your depression has ever caused you to cut short any previous travel plans in the past. In this case, for example – the policy limits for cancellation may be enhanced.

Travelling with depression

As with any condition, there are certain considerations that you should bear in mind when travelling with depression. Some are more obvious than others, however.

General well-being considerations, like eating healthily and trying to exercise as regularly as possible are important – but in terms of specific depression travel plans, it’s vital to plan ahead to avoid any situation which may make you feel uneasy, or affect your normal routine.

For example, jet lag can often knock people off their stride – so preparing to get enough rest time following any extensive flying is important. You should always remember to pack enough medication (anti-depressant or otherwise) to last you the duration of your trip.

Less obvious considerations may include keeping a journal and documenting your travels. This can help you monitor what is making you feel good and what is causing negativity throughout your trip. This enables you to make the subtle tweaks and changes required in your routine to ensure you feel as content as possible at all times.

For more information and advice about travelling with depression, visit gov.uk to learn how the Foreign & Commonwealth Office can help.

Does Travelling Help Depression

Travelling with depression should never stop you from enjoying the great things about visiting new places and exploring what the world has to offer. Travel can often be a refreshing way to alleviate the negative feelings and emotions that come with the condition.

While there isn’t necessarily any scientific proof to suggest that this is absolutely the case, the exhilaration and recuperation associated with situations relating to travel releases toxins into the brain, such as endorphins, which can improve your mood and fill you with positivity.

Whether this is caused by a refreshed environment, meeting new people, or simply marvelling at the vast beauty that the earth has to offer – travel certainly opens up a number of possibilities that can immensely benefit the human mind.

Frequently Asked Questions

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.

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

* Price is based on 1 traveller aged 61, who has declared depression and is travelling to Spain for 7 nights. Price is correct as of December 2019. Prices may vary according to your individual requirements.


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