Travel Insurance for Pre-Existing Medical Conditions

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Travel Insurance for Pre-existing Medical Conditions

A pre-existing condition, whether it’s a chronic illness or a recent medical diagnosis, is a health issue that exists before you take out a Travel Insurance policy. Conditions like cancer, diabetes, heart problems, as well as non-physical conditions are examples of pre-existing health conditions. 

 When taking out Travel Insurance with pre-existing medical conditions, it’s vital to declare all your health issues, however minor they may seem. When looking for Travel Insurance that covers your pre-existing medical conditions, we understand it can be costly and strenuous, but with Just Travel Cover we aim to make it easy. Our medical online screening is fast, accurate and straightforward and we’ll compare prices from multiple insurers to help find you a Travel Insurance policy that covers pre-existing conditions. 

Suitable Holiday Insurance for Medical Conditions

It is essential to have suitable Travel Insurance if you have medical conditions, as medical treatment overseas can be extremely expensive. At Just Travel Cover, we understand the importance of providing suitable cover for a variety of pre-existing conditions, including but not limited to cancer, heart & circulatory issues, diabetes, mental health conditions, and respiratory problems. Our pre-existing medical insurance ensures you can travel safely and comfortably with the right level of protection for your health. If you need holiday insurance with cover for pre-existing medical conditions, we are here to help.

Awarded Best Travel Insurance Provider

If you are looking for the best insurance for pre-existing medical conditions, Just Travel Cover proudly received the ‘Best Travel Insurance Provider’ award at the Insurance Choice Awards, marking our commitment to exceptional service in the Travel Insurance industry. We are dedicated to offering substantial and cost-effective Travel Insurance for pre-existing conditions, including policies with no upper age limit. As an award-winning provider, we assure our customers of top-quality cover, ensuring peace of mind for travellers with diverse health needs. Choose Just Travel Cover for reliable and recognised medical Travel Insurance expertise.

Heart & Circulatory





Mental Health


Travel Insurance for Pre-Existing Medical Conditions FAQs

Frequently asked questions about Travel Insurance for Pre-Existing Medical Conditions.

What is a pre-existing medical condition?

A pre-existing medical condition is usually described as an illness or injury that you had diagnosed before you take out your new Travel Insurance policy. These include things like Asthma, Diabetes and Cancer, as well as anxiety and depression. We cover hundreds of pre-existing medical conditions and will only show you policies that are specific to your medical conditions. This way, you can compare medical Travel Insurance that matches your specific travel needs.

Why is Travel Insurance important if you have a pre-existing medical condition?

Accidents can happen anywhere, and to anybody, at any time. If they happen when you’re on holiday you may need medical treatment abroad – that’s why people take out Travel Insurance and include cover for  pre-existing conditions, to cover potential medical bills. If you have a pre-existing medical condition, the type of treatment you need may be more extensive and costly, so you need to make sure your insurance covers these conditions. That’s where we come in – we specialise in Travel Insurance for people with pre-existing medical conditions – when you get a quote we will ask you a few questions regarding medical history and you will then be able to declare your medical conditions.

What does pre-existing medical Travel Insurance cover?

Accidents and emergencies can happen while away from home and medical bills can quickly mount up. Travel Insurance for those with medical conditions (with cover for your pre-existing conditions) is there to provide peace of mind that if that does happen, the costs will be covered. We work with multiple insurers who specialise in Travel Insurance for pre-existing medical conditions including physical and non-physical conditions, such as heart problems, high blood pressure, cholesterol, diabetes, asthma and anxiety and depression. We offer policies that cover emergency medical and hospital expenses and repatriation (the cost of getting you home) up to £15,000,000. Please note the amount of cover does vary between insurers but this is clearly marked alongside the price.

Does having pre-existing medical conditions affect where I can travel?

Some insurers do have restrictions when it comes to age, medical and destination, but we work with multiple insurers with the aim of being able to provide Travel Insurance for people of all ages, wherever you’re going, covering all medical conditions. On the rare occasion we cannot, we will signpost you somewhere we think can help.  Always remember there is no cover if you choose to travel to a destination where the FCDO has advised against all, or all but essential travel. 

Do pre-existing medical conditions affect the price of my insurance?

Not always, but sometimes – it depends on what the condition is and a host of other factors. If you’re looking for cheap Travel Insurance for pre-existing conditions, that is still possible, but always look at the price against the risk – for example if you have a heart attack or a serious accident in the USA, you could be looking at an eye-watering bill. The ABI found that in 2022 the average claim was £1,950 for those aged 71-75, whereas the average policy was £109. Some low-level medical conditions are covered at no additional cost, but it’s just as important they are declared should you be hospitalised on holiday – others will carry an additional premium, although this is all calculated behind the scenes and we simply show you the total price to pay. 

Can I get Travel Insurance for a heart condition?

At Just Travel Cover we specialise in pre-existing conditions Travel Insurance, including for those who have suffered heart attacks, had a heart bypass or are living with angina. Declare your heart conditions along with any other medical conditions you have when completing the quotation process and we will present a range of options for you. Each insurer has different limits for medical expenses and varying excesses, but all insurers on our panel will provide cover for heart conditions so you can enjoy your holiday with peace of mind that you’re covered. 

Does Travel Insurance cover diabetes?

Yes, diabetes is probably the most common pre-existing medical condition with more than 5 million people in the UK living with type 1 or type 2. If you need medical care for your diabetes or anything related when on holiday this would not be covered unless declared on your Travel Insurance policy.

Is cancer a pre-existing medical condition for Travel Insurance?

Yes, cancer is classed as a pre-existing medical condition and you must declare it whether in remission or not. Getting Travel Insurance when you have had cancer or currently have cancer can be intimidating and you might fear it will be expensive. However, it doesn’t have to be. We work with a panel of specialist medical Travel Insurers to provide you with high-quality and affordable cover for cancer. These cover terminal prognosis, remission or a specific type, such as breast cancer, prostate cancer, lung cancer, lymphoma and more. Like all pre-existing medical conditions, we ask you to follow the medical screening questions or call us for further support and make sure your GP gives you the all-clear for travel.

How do mental health conditions affect Travel Insurance?

Mental health conditions such as anxiety and depression are classed as pre-existing medical conditions and need to be declared on your travel insurance policy. We specialise in Travel Insurance with pre-existing conditions including mental health conditions. For example, you would be covered for emergency medical treatment while on holiday, although cancellation cover varies by insurer. 

Can I get Travel Insurance if I have pre-existing medical conditions?

Here at Just Travel Cover, we specialise in Travel Insurance for people with pre-existing medical conditions. The aim of all Travel Insurance is to cover the cost of the unforeseen, such as illness or injury on holiday, theft of your belongings, or if you need to cancel your trip or return home early. It’s the same if you have a pre-existing medical condition, but having specific cover will mean you’re covered for the cost of care for your existing condition too. If you do not declare your pre-existing conditions, you are unlikely to be covered for any treatment for them, which could lead to hefty medical bills.

Is there an upper age limit on Travel Insurance for pre-existing medical conditions?

We work with multiple insurers so we can provide policies for people of all ages. Some of the specialist providers we work with have no upper age limit, and when you enter your details we will only show you prices of Travel Insurance providers who can cover you. This way, you can compare medical Travel Insurance at ease.

Will Just Travel Cover compare insurers on my behalf?

At Just Travel we work with multiple specialist insurers to help find a policy to suit your needs. Typically, we will offer you bronze, silver and gold from each insurer so you can compare and choose the option that best meets your needs and budget. If we cannot provide a quotation due to your pre-existing medical conditions, we will signpost you to a company that we believe can help.

How does having pre-existing conditions affect the cost of Travel Insurance, and where can I find the cheapest Travel Insurance with medical conditions?

Having pre-existing medical conditions typically increases the cost of Travel Insurance because insurers view these conditions as a higher risk, leading to a greater likelihood of claims. However, you can find affordable Travel Insurance for medical conditions by comparing policies, seeking specialised insurers, or opting for tailored policies that match your specific health needs. At Just Travel Cover we cover hundreds of pre-existing medical conditions and can compare policies for you. We will only show you policies specific to your pre-existing medical conditions and give you different options to meet your budget. Remember, it’s important to declare all medical conditions as failing to do so could make your policy void and cost you a lot of money in the long run. When choosing a policy, do not compromise on quality. Balance affordability with adequate cover for your conditions.

What does Travel Insurance for terminally ill conditions cover?

Travel insurance for terminally ill patients typically includes cover for medical treatment abroad, emergency medical expenses, repatriation costs, and cover for cancellation and curtailment due to medical reasons. Cover details and excess can vary depending on your conditions, so it’s vital to review policy wording carefully or speak to one of our advisors.

How do I declare a terminal illness when applying for Travel Insurance?

When applying for Travel Insurance, you’ll be asked to complete a medical screening process, either online or over the phone. During this process, you should declare your terminal illness along with any other pre-existing conditions and their severity. For example, once your medical condition is declared, you will be asked to provide details about your diagnosis, treatment, and medication.

Cover for hundreds of medical conditions

Travel Insurance claims are at an all-time high and the majority are to support the 3,000 people per week who need emergency medical treatment abroad.

Declare your conditions and ensure your policy covers your pre-existing conditions.

Cover for Pre-Existing Medical Conditions

  • Cover for Pre-Existing Medical Conditions
  • Emergency medical, hospital and medical expenses up to £15m
  • Repatriation (the cost of getting you home)
  • Emergency dental care
  • Accommodation expenses
  • 24 hour medical assistance line


We Compare Prices From These Insurers

Compare Travel Insurance with medical conditions easily with us. We diligently compare various options, helping you find the best Travel Insurance with medical conditions tailored to your needs. Click here to download the Policy Wording and Insurance Product Information document for all insurers. In the event you are unable to find a suitable product from our panel of multiple providers, you can find contact details of some additional Insurers who specialise in travel insurance for people with serious medical conditions here, or call 0370 950 1790 for more information.

Single Trip Travel Insurance With Pre-Existing Medical Conditions – No Age Limit

Once you complete our simple and quick online medical screening, you will get a range of quotes from our panel of trusted insurers with a choice of policies to match your needs. We take away the worry by covering you for medical treatment abroad, cancellation, missed departure, lost travel documents, and personal belongings – so you can focus on having a great time!

Instant Protection From The Moment You Buy Your Single Trip Travel Insurance Policy

It is quick and easy to buy your single trip cover online anytime, 7 days a week. Your cancellation cover starts from the moment you complete your purchase, so if you are unable to travel for an insured reason, you may be able to recover the cost of your holiday.

To be eligible for cover you must:

  • Be resident in the UK, Northern Ireland, the Channel Islands, or the Isle of Man for more than 6 months
  • Be registered with a GP at your place of residence
  • Purchase the policy prior to leaving the UK on your planned trip
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