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 conditions page for more information on what does or doesn’t count as a pre-existing condition.
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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.
Compare quotes from specialist providers
It’s easy to compare quotes for specialist depression travel insurance with us.
Our online comparison tool will help you find the right cover in minutes. Once you’ve told us about your trip and any pre-existing health conditions, you can compare competitive cover across a range of leading depression travel insurance providers.
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Frequently Asked Questions
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.
It is 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.
* Price is based on 1 traveller aged 61, who has declared Depression and is travelling to France for 7 nights. The price is correct as of October 2023. Prices may vary according to your individual requirements.
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