Travel Insurance for Pre-Existing Medical Conditions

Travel insurance for pre-existing medical conditions can provide cover if your declared and accepted condition causes an unexpected problem before or during your holiday. Depending on the policy, this can include emergency medical treatment abroad, medically necessary repatriation, cancellation if you’re unable to travel, and curtailment if you need to cut your trip short.

Your policy can also include standard travel insurance benefits such as baggage, missed departure and travel disruption cover, depending on the policy you choose.

We specialise in travel insurance for pre-existing medical conditions and compare policies from our panel of insurers based on your medical history, age and travel plans. It’s important to declare all relevant pre-existing medical conditions during medical screening so the policies you compare are based on accurate information.

Some insurers may impose restrictions based on age, medical history, or destination. However, at Just Travel Cover, we work with a range of insurers to provide pre-existing conditions travel insurance for people of all ages, covering a wide variety of medical conditions, no matter where you’re travelling.

In the rare instance that we’re unable to find a suitable policy for you, we’ll direct you to other providers who may be able to help you obtain pre-existing conditions travel insurance.
It’s important to note that no travel insurance policy will cover trips to destinations where the FCDO (Foreign, Commonwealth & Development Office) advises against all or all but essential travel. Always check the FCDO travel advice before booking your trip.

Yes. If you have more than one pre-existing medical condition, declare each condition you’re asked about during medical screening. You’ll be asked relevant questions about your medical history so we can compare the policies available from our panel of insurers.
Having several conditions doesn’t automatically mean you can’t get cover. The options available will depend on your individual medical history, age and travel plans.

Yes, if the condition falls within the medical screening questions you’re asked. A condition may still need to be declared even if it is well controlled or you haven’t experienced symptoms recently. Answer the screening questions accurately and include any medication or treatment details requested. If you’re unsure whether something needs to be declared, speak to our team before buying your policy.

They can. The cost of travel insurance with pre-existing medical conditions depends on your individual circumstances, including the conditions you declare, your age, destination, trip length and the level of cover you choose.

Some medical conditions may affect your premium, depending on the insurer and the information provided during medical screening. That’s why it’s important to declare your conditions accurately and compare the cover available to you.

The potential cost of medical treatment abroad is also worth considering when comparing prices. According to the Association of British Insurers (ABI), insurers paid £262 million in medical travel insurance claims in 2024, with an average payout of £1,528. One insurer paid more than £1 million for emergency medical treatment in the USA and repatriation back to the UK.

If you’re looking for affordable travel insurance with medical conditions, compare the premium alongside the medical, repatriation and cancellation cover provided, as well as the excess you’d need to pay if you claim.

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.