Specialist Medical Travel Insurance


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Travel Insurance Policies

Getting specialist travel insurance ensures you have the most suitable cover for emergency care when you need it. It provides you with protection if the unexpected does happen, so you can enjoy your holiday without worrying. We believe you shouldn’t be charged a fortune for peace of mind whilst you travel.

Concerned about COVID-19?

We’ve got coronavirus cover on all policies, and offer more cover with our optional COVID-19 Extension.
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Why Insurancewith?

After Fiona Macrae, Insurancewith’s founder, was diagnosed with breast cancer in 2005, she found it almost impossible to get affordable travel insurance. Like anyone else, she was looking forward to a holiday, but sensibly-priced cover seemed out of reach.

Insurancewith was created to help people with all kinds of conditions – including cancer, mental health, epilepsy, and many disabilities – get the most suitable cover for your personal needs at a price to suit your budget.

Customers tend to come to us after they’ve been quoted extraordinary prices for specialist travel insurance. They’re often worried they won’t be able to travel again.

At Insurancewith, we believe everyone deserves a holiday. We offer something a bit different. We don’t charge more than we need to on your medical declaration (we don’t think it’s right to make money from your situation) and won’t charge you more than necessary for quality cover.

You have the option of chatting through quotes and queries with one of our trained advisors as well as using our online quote system. We are very proud of the service we provide and the savings our customers make. If you’d like to find out more, take a look at our Customer Savings Stories here.

All of our polices include the following benefits:

  • Award-Winning¹ Travel Insurance
  • Over 5,000 conditions and the side-effects of treatment covered
  • Discounts for couples, families and single-parent families
  • Up to £5,000 cancellation cover
  • 24/7 emergency medical assistance team
  • No upper age limit for single trip policies (depending on the destination and trip duration)

Thank you Insurancewith

“After a long struggle trying to find affordable travel insurance for my husbands grandad who has terminal cancer, we were about to give up. This caused a major problem as we were getting married in Cyprus and we desperately wanted him to be there.

I discovered InsuranceWith and after a questionnaire and phone call, we were given an extremely affordable and reasonable quote. We had been completely honest about his cancer and I was amazed they would cover him.

Without InsuranceWith, Grandad would not have been able to be there with us for our special day. We cannot thank them enough and have recommended to all of our friends and family. Just because you have a terminal illness, this should not deprive you of holidays abroad.”


We have insured thousands of people, helping them make those precious memories, and saving some of them a lot of money along the way!

Find out how much you could save...

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Why Choose Insurancewith?

We specialise in medical travel cover. By working with charities, clinical specialists, and you – our customers – we’re always improving our understanding to create products and services to meet your needs. It’s all part of our efforts to address any of the issues people have when looking for specialist travel insurance.

96%of our customers rated us 4 or 5 stars $
Over 1,000medical conditions covered
Charity Donationwith every policy sold
94%of customers offered cover §


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Protectif Screening

In order to give a fair assessment of your situation, we use Protectif Medical Risk Rating. Our screening process allows us to ask relevant questions about your condition or treatment in order to assess the risk effectively. Protectif allows us to provide affordable coverage to our consumers and instead of categorising all of our customers with the same condition as having the same amount of risk, we ask relevant questions based on the medication you are taking to effectively evaluate your circumstance.

Instead of looking at the perceived risk of each condition, we use our award-winning risk rating system, Protectif, to understand your situation. We not only offer a broad range of cover levels suiting every traveller and budget, but we assess risk more effectively than other insurers. It’s one of the industry’s closest things to a personally underwritten travel insurance policy. For an accurate assessment, we’ll ask you about your lifestyle and personal experiences. Find out what else to expect from questions asked during our quote process.

  • Question sets allow us to understand individual circumstances
  • Thousands of conditions and side effects of treatment able to be screened

Our Charities

When you take out a policy with Insurancewith, we’ll also donate £1 to charities that help support people like our customers every day. We support a number of charities including FACT, YourSimPal and Make 2nds Count to name a few.

¹ Insurancewith Awards Won: Finalist in the UK Broker Awards, 2011. Winner of Insurance Times Innovation of the Year Award, 2013. Bronze Award Winner for Best Travel Insurance Provider at British Travel Awards, 2016. Customer Champion of the Year at the Insurance Times Awards, 2017. Plus, our founder Fiona Macrae was awarded the Consumer Marketing and Awareness Award at the Chartered Insurance Institute (CII) Public Trust Awards, 2018

*Please note, Insurancewith’s online prices automatically include a 15% discount against our Customer Service Centre prices. This code entitles you to an additional 5% off your policy, and is a discount from the base price, not including the additional cost of optional extensions or any additional medical premium

$Insurancewith has been rated 4.8 out of 5 (Excellent) based on over 7000 customer reviews on Trustpilot. Based on Trustpilot data 2023 

§ Based on quote data from 2023. Correct as of 12/09/2023