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Travel Insurance with Medical Conditions

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There’s already plenty to plan when you’re travelling abroad with a medical condition (sometimes known as a pre-existing medical condition), transport, accommodation and packing, so why make securing travel insurance for your holiday more difficult than it needs to be? This is why we take a common-sense approach to travel insurance for medical conditions.

Have you ever been quoted ridiculously expensive travel insurance as soon as you mention that you have a pre-existing medical condition? At Insurancewith, we help all customers, including those experiencing serious illnesses to more manageable conditions.

We believe everyone deserves to travel. That’s why we work with charities, clinical specialists and our existing customers to ensure we ask relevant questions and treat you as an individual and as result offer prices that accurately reflect your circumstances.

Rated 9.6/10 on Trustpilot

From, over 3748 customer reviews

Why do you need medical travel insurance?

You’re not alone if you’ve left it until the last minute to get cover, we’ve all been there. But travel insurance is important, especially if you have a medical condition. Should something happen, getting the right medical care can cost thousands and these costs can escalate quickly and the last thing you want is to be left with a huge bill. We hope everyone enjoys their travels without any hiccup. But if something unpredictable happens, we’ll be there to help. Our insurance won’t just cover you while you’re away – in many cases, it’ll cover you for cancellation before you go too. We understand things can go wrong before you head off, so it’s worthwhile getting insurance as soon as you’ve booked. Our medical travel insurance includes cover for:

What medical conditions are covered?

We’re experts in covering medical conditions, with more than 5,000 medical conditions in our screening database. If you’re looking for travel insurance for the medical conditions below or any others, contact us or get a quote online.

Why choose Insurancewith?

Our common-sense approach to medical travel cover has been recognised by industry peers and customers alike. We want to make it easier for more people to travel. Many of those we’ve helped talk about how they’d almost given up with the idea of getting away. We understand that getting away and knowing you’re protected should something unexpected occur has a real impact.

99%of our customers rated us 5 star
Over 5,000medical conditions covered
Charity Donationwith every policy sold
£10mcover for medical emergencies
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Getting our specialist medical travel insurance, you’ll benefit from:

To ensure you can enjoy stress-free holidays with our policies, we offer the following benefits:

Along with the above, you can feel reassured knowing that we offer:

  • Award-winning medical travel cover
  • Discounts for couples, families and single parent families
  • 14-day cooling off period
  • Cancellation cover of up to £5,000
  • Optional wintersports cover
  • Cruise extensions

How our medical travel insurance screening works

We’ve worked hard to make sure our insurance premiums reflect the real risk of medical conditions. Using our bespoke Protectif Medical Risk Rating software, we can get a thorough understanding of your specific situation. It’s one of the industry’s closest things to a personally-underwritten travel insurance policy.

The medical declaration is part of our online quote process. You’ll be asked what medications you take and sent through to a set of specialist questions relevant to your condition. This’ll allow you to declare the necessary details and receive a tailored quote based on our assessment. You can do this all online or call us if you prefer.

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, so we will always treat you sensitively and like a human being. There’s 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.

Getting travel insurance that covers pre-existing medical conditions

No policy is the same. But you should always disclose medical conditions which you’re taking medication or receiving treatment for. We don’t like calling them pre-existing medical conditions (as we don’t think the term is especially clear), but that’s what you’ll see them referred to as. Many insurers will also charge you more than necessary because there’s a misconception about the risks involved. They’ll pigeon-hole you into set price brackets because of these pre-existing conditions.

We do things a bit differently – we ask for more information on your personal experience and medical history. That way, we’re able to make it relevant to you, to offer fair and affordable premiums for everyone looking for travel insurance with a medical condition.

Not only could other insurers charge you a lot more, there could be medical cover exclusions or limits imposed on you. That’s not how we think travel should be – your holidays should be spent doing the things you love.

Check out our guide to travelling with a medical condition to find out more.

All our benefits revolve around you getting abroad with less hassle. We’re one of the only travel insurance companies to provide high levels of cover for medical, disability or mobility equipment. This includes:

  • Insulin pumps
  • Stoma equipment
  • CPAP machines
  • Feeding tube equipment
  • Port flush kits
  • Dialysis equipment
  • Portable oxygen equipment
  • Special needs equipment
  • Cystic fibrosis care kits
  • Refrigerated bags for medication
  • Oxygen concentrators
  • TENS machines
  • Specialist or bespoke medical equipment

Other FAQs

We cover medical conditions that are notoriously difficult to get cover for. As such, many of the questions we get asked are shared by others. Check out our FAQs and contact us for further help.

Pre-existing conditions are medical conditions that existed previous to a insurance policy being taken out.

If you’ve been diagnosed, needed any treatment, medication, consultation or follow-up then we would need you to declare this to us as part of the online quote process. You need to disclose these details – even if you think they don’t affect your daily life.

If you decide to cancel the trip after being diagnosed with a new medical condition, you’ll need to provide evidence from your doctor stating you’re not fit to travel. You should then be covered under the cancellation clause of your policy.

However, if you decide to go ahead with the trip as planned, you must bear in mind that things do get a little more complicated. You should remember, we may not be able to pay any claims when anyone has travelled:

  • Against the advice of a doctor
  • If they know they’ll need treatment while on the holiday
  • If they are awaiting test results or treatment

If you travel under any of the circumstances above, your insurance may become void if you need to make a claim.

In this situation you would need to provide evidence from your doctor that you’re unfit to take a trip. As long as this related to a brand new condition or a condition which we had accepted cover for in writing, we will be able to consider your claim and refund your pre-paid trip costs

Yes, Insurancewith will consider offering cover for any terminal condition. You will need to go through the online quote process or give us a call to allow us to assess your individual situation and provide you with a policy.

Yes. It’s the first question you’ll be asked, as we need to know about all medical conditions in order to accurately assess your situation and give you the right cover.

Yes, you can. You don’t have to call us if you don’t want to and can complete the online form from the comfort of your own home. Simply answer the questions honestly and to the best of your knowledge – you can always speak to your GP or medical practice if necessary to get a little extra information.

It’s worth talking to your GP about your travel plans 2 months or more before your holiday. They can let you know if special arrangements are needed. For more information please visit this NHS guide on taking medicine abroad.

You will not need to show us a doctor’s certificate upon purchasing your policy, but make sure your doctor or GP has confirmed that you have fit to travel. You may however need to present it in event of a claim.

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