World Cruise Travel Insurance with Medical Conditions

If your health changes before your cruise when you’ve already bought Travel Insurance, tell us as soon as you can, and we will then review your cover to let you know if any changes need to be made.

Some insurers set age limits on their policies, which can make it hard for senior travellers to find cover. We specifically compare policies from insurers who don’t set an upper age limit, so we can find you cruise cover if you’re travelling into your 70s or 80s.

Your exact available policy options will vary based on your age, medical conditions and trip details, so once you complete your screening we will show you policies that can cover your circumstances.

See more information on seniors cruise cover.

A UK GHIC doesn’t cover any treatment on board, even in port, though you may be able to use it in a state hospital ashore in a country where it’s valid. Most of a world itinerary is outside the EU, and the card doesn’t cover repatriation, so it’s usually not a comprehensive substitute for Travel Insurance.

You can typically buy single-trip cover from us up to 18 months before you travel. Buying when you pay your deposit means cancellation cover is in place from that point, which protects you better if something changes before your trip.

There’s no one price for a world cruise. The main factors are your age, any medical conditions, the regions on your route, the length of the trip and the level of cancellation cover you need. Comparing across our panel shows you the range available for your own voyage. To see your available options, start your screening.

Yes. Insurers can have different medical acceptance criteria, cover limits, excesses and prices, so the options available for the same medical history can vary.

That’s one reason we compare policies from a panel of insurers. Once you’ve completed medical screening, we’ll show you the policies available based on your health and travel plans.

As you get older, it’s more likely you’ll be travelling with one or more pre-existing medical conditions. When getting Travel Insurance for over 80s, it’s important to declare all relevant medical conditions, even if they’re well managed or you don’t think they’ll affect your holiday. This allows us to compare policies from our panel of insurers that can provide suitable cover. If a condition isn’t declared, it could affect your ability to make a claim if you need to cancel your trip or require emergency medical treatment while you’re away.

Yes, at Just Travel Cover, we work with multiple specialist insurers to help find a policy to suit your needs. Typically, we will offer you bronze, silver and gold options from each insurer, allowing you to compare cover levels and choose the one that best suits your medical requirements and budget.
We cover a wide range of pre-existing medical conditions. However, in the rare event we’re unable to provide a quotation due to your specific circumstances, we’ll direct you to a provider we believe can help you find suitable travel insurance for pre-existing conditions.

Selected policies may be available for travellers with a terminal prognosis, subject to medical screening and insurer acceptance. You’ll need to provide accurate information about your diagnosis, treatment and current health when getting a quote.

Cover, including emergency medical expenses, cancellation and curtailment, will depend on the policy available to you, so check the limits and terms carefully before buying.

If your health changes after you’ve bought your policy, check your policy wording or contact your insurer before you travel. Depending on the policy, a new diagnosis, change in medication, planned investigation or other change in health may need to be reported.

It helps to have the names of your medical conditions, medication and details of any recent treatment or hospital appointments to hand.

The questions you’re asked will depend on your medical history, so you may not need all of this information. You can complete medical screening online or speak to our team by phone if you’d prefer some help.

If you’re insured together on the same policy, cover may apply if one traveller’s declared and accepted medical condition causes both of you to cancel or cut the trip short for an insured reason.

The exact cover depends on the policy terms and circumstances, so check the cancellation and curtailment sections of your policy to understand how this applies to everyone travelling.