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.

Medical Travel Insurance

Whether you live with mild or severe medical conditions, we’re confident if anyone can help you find the right medical travel insurance at the best available, that's us!

There’s no need to spend hours declaring your medical history completing medical screenings on more than one website. Here at, you can compare travel insurance with medical conditions from several specialist providers all in one place.

Why do I need specialist travel insurance for pre-existing conditions?

While most travel insurance policies include emergency medical expenses and repatriation cover, this DOES NOT extend to cover claims arising from pre-existing medical conditions unless you have disclosed and obtained cover for them.

Healthcare abroad and repatriation can be extremely costly, running into thousands of pounds and should you become unwell on holiday as a result of a previously diagnosed illness. This is why specialist medical travel insurance for pre-existing conditions is so important.

It’s the best way to ensure you’re protected in the event of having to cancel the holiday or needing to pick up the cost of receiving emergency medical attention while abroad.

With Medical Travel Compared, you can declare your pre-existing conditions and compare suitable cover from over 40 specialist providers in minutes.

Why choose Medical Travel Compared?

Why waste time and effort searching the internet for specialist cover when you can come straight to us?

We enable you to access fast, competitive quotes from leading insurance providers all in one place. This includes the likes of Admiral, Legal & General, More Than and Virgin Money to name but a few.

All it takes is 5 minutes of your time to complete our easy-to-use online form.

We ask a number of questions to gather an understanding of your medical history - so we can match you with the right level of cover to suit your needs.

Then you have the freedom to compare quotes and get your insurance sorted there and then. That way, you can get back to the exciting stuff - like planning your holiday!

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What is a pre-existing medical condition?

A pre-existing condition is any type of medical condition that existed before you take out a policy.

Essentially, you need to notify insurance providers about any conditions you’ve been previously diagnosed with in order to get the most suitable level of cover - and, that’s where we come in!

You can declare your pre-existing conditions with us - and we’ll help you compare quotes for policies providing specialist cover in that area.

Just bear in mind that insurance providers cannot provide cover for undiagnosed conditions.

There are over 2,000 conditions that can be covered. Here are some of the more common:

If any of the above apply to you - then you may need to declare them to compare the right cover for you.

This especially applies if you have recently been diagnosed with the condition and are receiving treatment for it right now. That being said - not all conditions necessarily need to be declared. It often depends on what they are and when they occurred.

It’s also worth bearing in mind that we are unable to provide a quote for an undiagnosed medical condition that’s currently under investigation.

It’s quick and easy to declare your pre-existing conditions - so why not start our online application today?

What’s covered?

Pre-existing medical holiday insurance could offer coverage for a variety of different things, including:

  • Lost, Stolen or Damaged Personal Belongings
    This could include any medication you take abroad with you - so it’s an important benefit.  
  • Emergency Medical Expenses and Repatriation
    If you need emergency medical treatment abroad, the chances are you’ll end up paying a hefty price for it. The cost of repatriation (emergency return back to the UK) is also high.
  • Cancellation and Curtailment
    The insurance provider will cover you in the event of needing to cancel your holiday or cut it short for a certain reason (usually medical).
  • Travel Delay
    This won’t always be included, check with your provider.
  • Personal Liability
    If you cause accidental damage to another person or someone else’s property - cover is provided.

Of course there are a number of other areas of cover that could be included - but these are some of the main things you should look out for.

Insurance providers assess your level of risk - and decide whether or not to provide a quote based on this.

Beyond this, it’s your responsibility to yourself as the customer to ensure you have suitable cover in place.

Costs of pre-existing medical travel insurance

The base rate for standard holiday insurance is calculated on a number of factors, such as age, destination and length of time away. The cost of the additional premium to cover existing medical conditions varies from provider to provider - but this is usually influenced by the nature and severity of your pre-existing conditions.  

The nature of your condition will have a bearing on the price of your premium, and the answers you provide to the questions we ask on the form will help to determine this. The more severe your condition is, the more cover you’ll need.

And, while this usually comes at a higher cost - when you search for quotes with us, you can still find cheap medical travel insurance for pre-existing conditions that offers excellent value for money and the suitable level of coverage to give you peace of mind.

The type of policy you decide to take out will also influence the price you pay.

Single trip travel insurance with pre-existing medical conditions

If you’re planning to get yourself insured for just the one holiday this year - single trip travel insurance is probably the best policy type for you.

Single trip cover is for one-off trips - but we can help you get insured for both short and long stay holidays if needed.

It covers you for all the same things as any other normal policy would - but you will need to add cover for pre-existing conditions if you have any.

Annual travel insurance with pre-existing medical conditions

With an annual travel insurance policy, your insurance plan will cover you for any trips you take within the next year.

So, naturally, it’s a little more expensive – but if you’re planning on travelling multiple times over the next 12 months, you could actually save money.

It can also help to save time, as you won’t have to deal with the process of searching for quotes, and buying a policy, for each individual trip.

Again, you’ll need to declare any pre-existing conditions when taking out annual medical travel insurance in order to ensure you’re fully covered.

If you already know which type of policy you need, you can start comparing quotes today!

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'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 high blood pressure 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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