Travelling with a medical condition (sometimes known as a pre-existing medical condition) should not stop you from seeing the world. We understand that organising a trip can be stressful, especially when you have extra health considerations — that is why having the right travel insurance in place can make all the difference.
At Insurancewith, we believe that everyone deserves the freedom to travel confidently, regardless of their medical history. Unlike many providers who may refuse cover or charge excessively high premiums, we take the time to understand you as an individual — not just your diagnosis.
Our specialist policies are created with the help of charities, clinical experts, and people living with medical conditions themselves. This means our cover is built around real experiences, offering tailored protection using a specialist screening tool called Protectif, so you can focus on enjoying your trip.
So, whether you are travelling to relax, reconnect, or explore somewhere new, Insurancewith is here to help you do it safely and with peace of mind.
We can consider cover for over 11,000 medical conditions and the side-effects of any treatment you receive.
Insurancewith understands the importance of getting adequate cover when you’re on holiday. Whether you have a medical condition or are just looking to protect yourself while you’re away, our single trip insurance policy will give you the peace of mind to go out and enjoy your holiday properly. Our policies can provide cover for up to 94 days (depending on age).
Our annual multi trip travel insurance, covers all of your trips of 31 days or less within a twelve-month period, making it a smarter choice for those travelling more than once a year. Our multi trip policies also include cover for those aged 70 and over and cover against declared medical conditions at realistic premiums.
Getting out and seeing the world on board luxury liners is a fantastic experience. To be covered while on a cruise, you’ll need to add our Cruise Extension to your policy. This ensures you’re protected for cruise-specific risks. There will be no cover for any cruise trips at all unless you have purchased the Cruise Extension and you have paid the appropriate additional premium.
Insurancewith was created to help people with a wide range of medical conditions get the most suitable cover for their personal needs at a price to suit their budget. Our policies consider cover for many health conditions — including cancers, respiratory and chronic conditions, heart and blood conditions, as well as neurological and mental health conditions.
Customers tend to come to us after they have been quoted extraordinary prices for specialist travel insurance. They are often worried they will not be able to travel again.
We have worked closely with charities, medical specialists and most importantly, our customers, to refine our medical screening process. By asking relevant and up-to-date questions about medical conditions, lifestyle, and how you feel within yourself, we can accurately assess your medical condition, from a travel insurance perspective, using a specialist screening tool called Protectif and give you a quote for bespoke cover that has not been inflated at the mention of a medical condition.
We look at the actual risk instead of the perceived risk of your condition; in doing so, we may be able to offer lower premiums than some customers have previously been quoted. ^
At Insurancewith, we believe everyone deserves a holiday.
^ Pricing is subject to medical assessment. The cost of cover will vary based on your individual circumstances, destination, and treatment history.
Insurancewith, doing more than just insurance.
When you take out a policy with us, we will also donate £1 to the charities that help support people like our customers every day. We support a number of charities including FACT, YourSimPal, Cancer in Common and Make 2nds Count to name a few.
Below is a highlight of the different charities we support, to learn more please click here.
We can consider cover for over 11,000 medical conditions and the side-effects of any treatment you receive.
Shown below are the most common types of medical conditions that we can provide cover for. However, if your particular condition is not shown, don’t worry, because you can still get a quote by entering your medical condition when prompted during the quote process and proceed from there.
* Statistics compiled by our medical screening tool – Protectif (including Insurancewith and its sister brands), figures reflect 2025 coverage levels only.
We also consider cover for many other medical conditions and cancers, such as:
✓ Breast Cancer – 97.28% of customers offered cover
✓ Blood Cancer – 98.09% of customers offered cover
✓ Bowel Cancer – 96.25% of customers offered cover
✓ Lung Cancer – 97.37% of customers offered cover
✓ Prostate Cancer – 96.40% of customers offered cover
* Based on data collected between December 2021 and July 2025.
Our travel insurance policies were created by people with first-hand experience of medical conditions who really understand your problems when it comes to buying travel insurance.
Please note that cover may not always be available for those who have been diagnosed or treated very recently (for example, within a few weeks of travel). Eligibility depends on individual medical stability and recovery.
Our founder, Fiona, was diagnosed with breast cancer in 2005. After undergoing 8 cycles of chemotherapy, she looked forward to a holiday with her family, but faced unexpected obstacles when trying to buy travel insurance. The questions were intrusive, the process was distressing, and the costs were higher than the holiday itself.
Determined to change this, Fiona began researching travel insurance for people with medical conditions. In 2010, she launched Insurancewith, a company built to offer fair and affordable medical travel insurance for people living with medical conditions.
Fiona has said “Insurancewith was created from personal experience. I was determined to be able to offer people who had been diagnosed with breast cancer appropriately priced travel insurance which covered their condition. Everyone deserves to look forward to a holiday without added stress.”
At Insurancewith, we remain committed to making travel possible for those affected by cancer and other medical conditions.
✓ Award-Winning Travel Insurance*
✓ We can consider cover for over 11,000 medical conditions and the side-effects of any treatment you receive
✓ Up to £7,500 cancellation cover
✓ 24/7 emergency medical assistance team
✓ No upper age limit for single trip policies (depending on the destination and trip duration)
✓ 4.7 out of 5 (Excellent) based on over 11,000 customer reviews on Trustpilot.
✓ 4.8 out of 5 stars based on over 900 customer reviews on Google.
✓ Free access to Air Doctor Connect – giving you access to over 20,000 doctors in 78 countries. Use it for non-urgent outpatient treatment and we’ll waive your excess; plus, you can claim back the cost of prescriptions when you return home.
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.
Trip cancellation cover will reimburse you for non-refundable costs if you need to cancel your trip due to unexpected events like illness, injury, bereavement, or other reasons specified in your policy.
Trip disruption cover helps protect you against unexpected interruptions to your journey, such as delays, cancellations, or being forced to cut your trip short due to events like natural disasters, strikes, or medical emergencies.
Not all causes of disruption are covered as standard — additional protection is available with the Large Scale Events extension.
Emergency Medical Cover ensures you’re protected against the costs of emergency treatment abroad, including hospital stays, doctor visits, and necessary medication if you fall ill or are injured during your trip.
Medical repatriation cover will arrange and pay for your return to the UK if you’re seriously ill or injured while travelling and need to continue treatment at home, if it’s medically necessary.
Baggage cover will compensate you if your personal belongings are lost, stolen, or damaged while you’re travelling, and it can also provide support if your baggage is delayed on your outbound journey and you need to purchase essential items.
Missed departure cover will protect you in the event you miss the departure of your international flight, ferry, cruise ship or train because of a strike, or other disruption of public transport, an accident involving the vehicle you are travelling in, or the mechanical breakdown of that vehicle.
Money and travel documents cover protects you against the financial loss of stolen or lost cash, passports, or other essential documents while you’re abroad.
Personal accident and liability cover offers financial protection if you’re permanently injured or die, or if you’re held legally responsible for accidentally injuring someone else or damaging their property during your trip.
Travel insurance provides the reassurance, that should something happen whilst you’re away, you are protected. The last thing anyone needs is to be faced with a ridiculously expensive medical bill when they return home from their trip, or need to cancel their holiday and be left out of pocket.
If you have a medical condition, you should make sure your policy includes appropriate cover for emergency medical expenses, so you’re protected if you need emergency treatment abroad.
Our medical travel insurance includes cover for the following:
Everyone is different, so no travel insurance premium should be the same. To make sure you are quoted for a policy that offers the right level of cover for you, it’s essential that you declare all medical conditions and any medication you take.
This helps us fully understand your health situation and make sure your cover is suitable. If any medical conditions or medication are not declared, any claim may only be paid in part or declined altogether.
We do not like calling them “pre-existing medical conditions”, but that’s how they are often referred to by insurers.
At Insurancewith, we know that medical conditions can vary from person to person. So, we do not pigeon hole people into similar boxes, instead, we ask for information on your medical history and medication you take. This way, we are able to offer a fair premium for a policy which will protect both you and your trip.
Please note that cover may not always be available for those who have been diagnosed or treated very recently (for example, within a few weeks of travel). Eligibility depends on individual medical stability and recovery.
The cost of your travel insurance will vary depending on a number of factors, with age, destination and trip duration playing a significant part in this. There is no one-price-fits all figure which covers everyone – which is why Insurancewith offers policies which reflect you and your needs individually.
A medical declaration is part of our online quote process. In order for us to provide you with an accurate quote, you’ll need to answer these questions as openly and honestly as possible.
You will be asked about your medical history and what medications you take. You will then be asked a set of specialist questions relevant to your condition. This will allow you to tell us about any necessary details and receive a tailored quote based on our assessment. You can do this all online or by contacting us and one of our friendly team will assist you.
If you do decide to call, all medical declarations are carried out by a team of trained professionals. We understand these questions can seem invasive, but we will always treat you sensitively. There is no pressure to rush through questions; we take the time to understand your situation and to ensure you have the right cover in place for your trip.
If there is a change in your health after you have purchased a policy, such as new or increased medication, any referral for tests or a specialist appointment, or a new diagnosis/course of treatment, you must tell us or again any claim you make whether it is related or not, may only be paid in part or declined altogether.
If we feel that anything you tell us might increase the risk and chance of a claim, we may ask you to pay an additional premium, apply an increased excess, change the policy terms or withdraw cover altogether.
Insurancewith asks you for your medication, height and weight and information about your conditions when going through a quote. Dependent on your condition, we may also ask you detailed questions to ensure we are able to provide cover, an example of this could include information about your oxygen saturation levels (if you have a breathing condition) or blood pressure readings (if you have high blood pressure).
This travel insurance will only be valid if, at the time of purchase, everyone named on the policy:
Is not awaiting any tests, investigation or surgery for any undiagnosed medical condition;
If you do not declare your medical conditions and you need medical treatment abroad you could find yourself having to pay the medical bill. This is because travel insurance companies will not cover claims related to existing medical conditions or the treatment of them, that you have not declared on the policy.
It is important to remember that it is not just claims that are related directly to your medical condition, either. If you were on a specific type of cancer treatment that could thin your bones (i.e. Arimidex) and you fell and broke your leg whilst abroad, this claim could be denied. This is because the reason for the break could be due to the cancer medication making your bones more fragile, which may not be covered under your policy.
It is always important to be honest and transparent when telling us about your medical conditions and medication, and to also update us on any changes in health.
Any claim you make whether it is related or not, may only be paid in part or declined altogether