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.

Why do you need travel insurance for pre-existing conditions?

Going on holiday can be a costly expense, which is why it’s important to get covered for your pre-existing medical conditions before traveling. 

If anything happens as a result of your condition while travelling, this type of travel insurance enables you to claim - providing you with the peace of mind to enjoy your holiday knowing you’re protected. 

Despite the fact that many standard policies will include medical coverage, more often than not  - this won’t extend to claims relating to undisclosed medical conditions. In fact, a recent study found that only 1 in 5 people understood the need to disclose a pre-existing condition. 

Failing to disclose carries many risks if you end up needing to claim as a result of a pre-existing medical condition. It's really important to arrange specialist travel insurance with cover for pre-existing conditions.

Depending on the type of medical condition you have, finding specialist providers to cover you can be challenging and expensive. This is where Medical Travel Compared can help.

Our experienced team is on hand to help you compare cover across a wide range of pre-existing conditions in one place.

Our simple online comparison tool helps you find affordable quotes in minutes, so why not give it a try today? 

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Medical screening for pre-existing conditions

With Medical Travel Compared, the process of disclosing your pre-existing conditions is very straightforward. 

You’ll be able to declare your conditions once you’ve entered a number of details regarding your trip - as well as selecting the type of policy you need, whether that’s for a single trip, or an annual multi-trip policy. 

It’s likely that you might be asked a few questions in relation to your condition before you proceed. This stage is called medical screening - and it enables travel insurance providers to get a better understanding of your medical background, so that they can offer you the right type of cover.

What are pre-existing medical conditions?

This refers to any condition that existed before, or at the time you take out travel insurance. 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 applies to you - then you may need to declare them to compare the right travel insurance 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.

What does a pre-existing medical policy typically cover?

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.

We work with over 30 leading providers to help you compare cover for over 2,000 medical conditions - so you can count on us to help you find what you need in no time.

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Compare quotes and find the best cover for your condition

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

We enable you to compare competitive quotes from leading insurance providers all in one place. This includes providers such as Admiral, Legal & General, More Than and Virgin Money to name but a few.

The process couldn’t be any easier - and you’ll be able to start comparing cover in minutes. 

Then, it’s time to get back to the exciting stuff… like planning your holiday!

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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.

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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