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Travel Insurance Medical Conditions

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.


Travel Insurance Medical Conditions Guide

Not every Insurer offers a travel policy to people with Medical conditions and prices can vary greatly depending on the specific condition covered.  With our Search Facility, you have the ability to filter out those Insurance Providers who offer online screening for Medical Conditions, we detail the basic premium and cover levels, which you can use to help you decide on a potential suitable policy, before going onto the Insurance Provider’s website to complete a full medical screening. You can then click “Get a Quote” where you can go through to the Insurance Providers website, go through online screening and get an instant quote.
Medical Travel Insurance

In Brief

Medical bills are the biggest expense under a holiday insurance policy and can reach silly amounts very quickly. If you have existing medical conditions, there is no doubt this creates an increased risk for an insurance company. This doesn’t mean cover isn’t available, but it is more likely that the Insurance Company will want to ask you more detailed questions.

Going to an Insurer that specialises in travel health insurance is certainly the way forward. Travel Insurance for medical conditions is now easier than ever to obtain and at a competitive price.

Who is it for?

Any traveller who has a pre-existing medical condition. The definition of this is any illness disease or injury that has been treated with advice, treatment or medication. The same will be true if you have suffered symptoms whether the condition has been diagnosed or not.
  • Pre-Existing Medical Conditions.

What you need to know about travel insurance for people with Pre-Existing Medical Conditions.

We are all living and staying active longer, so there is no need to exclude cover because of age or medical conditions.

In fact, there are a wide variety of medical conditions that are so well controlled with drugs that the increased risk is minimal.

Thankfully more and more Insurers realise that this sector of the travel Insurance market is growing rapidly, and there is more and more Holiday Insurance for pre existing medical conditions.

Travel cover should not be treated as a luxury purchase. Travel Cover is an essential element of any trip or holiday and needs to be available to all, no matter what their circumstances.

Some existing travel insurance medical conditions are so common, that they may automatically be included at no increase in premium (there might be a slightly higher excess) and all other areas of cover, baggage, cancellation, liability etc should be the same as a standard travel insurance policy.

Important Considerations

You should disclose all existing medical conditions, even if the last occurrence were some time ago. If you are unclear, it is better to err on the side of caution by disclosing the condition. Then you won’t find out at the time of a claim, you weren’t covered because you didn’t disclose it. Your Insurer will know whether or not this represents an increased risk and rate accordingly. You can go on holiday knowing that you have the correct travel medical insurance.

Some travellers will be embarrassed about having to answer personal questions; the good news is that most of the questions can be asked and answered online. If you do have to speak to someone, in my experience they are very understanding and helpful, so don’t worry. Travel Insurance for pre existing medical conditions is common and the majority of conditions will have been dealt with many times.

If you are part of a group travelling and the rest of the party don’t have medical conditions, it is typically cheaper to insure the rest of the group under a standard travel policy.

Also don’t worry if you are disabled or require the use of a wheelchair or walking frame to get around. Specialist travel insurers are quite happy to include cover for medical aids either owned or hired for the trip.

Star Ratings Explained


Market Research companies hand out top rankings to a large proportion of Travel Insurance Policies.

Thats Insurance has been much more strict in our ranking process. We have awarded Five Stars to only the very best policies.

We appreciate that not every customer will want nor need a five star policy. The information on the right details exactly what you can expect from a policy with one of our star ratings.

Broadly speaking Three Star policies provide cover which is inline with the market average. Four and Five Star policies provide cover which is above the market average and One and Two star policies provide cover below the market average.

  1. The policy covers all core sections and all secondary sections under a travel policy.

  2. All Core Sections of cover are above the levels of the market average policy.

  3. All secondary sections are either at or above the levels of the market average policy.

  4. Has additional benefits over and above a standard policy.

  5. Includes cover for supplier insolvency as standard.

  6. Includes natural catastrophe cover, either as standard, or as an optional add on.

  7. Has the most competitive premiums in relation to the cover provided, across the range of scenarios tested.

  8. Has clear and consumer friendly, policy wording and explanations of cover.

  9. The policy has an alcohol wording that is more customer friendly than the standard blanket exclusion.

  10. The standard excess is below the level of the market average.

  1. Covers all core sections and secondary sections under a travel policy.

  2. Core Sections of cover either at, or above the levels of the market average.

  3. May have additional benefits over and above the standard policy.

  4. May not automatically include cover for supplier insolvency.

  5. Premiums are competitive premiums in relation to the cover provided across the range of scenarios tested.

  6. Has clear and consumer friendly policy wording and explanations of cover.

  7. The standard excess is either at or below the level of the market average.

  1. Provide cover for all core sections, but may have some secondary sections missing.

  2. May have Core sections of cover that are lower than the level of the market average.

  3. Premiums may not be as competitive, or be consistently competitive across the range of scenarios tested.

  4. The Insurer, may not have been able to provide quotations across the full range of scenarios tested.

  5. The excess may be above the level of the market average.

  1. May have some core sections of cover missing.

  2. May have some secondary sections of cover missing.

  3. Levels of cover tend to be below the market average.

  4. Premiums may be lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.

  1. Has core sections of cover missing.

  2. Has secondary sections of cover missing.

  3. Cover is much lower than the market average.

  4. Premiums are lower than the market average due to the lower levels of cover.

  5. The Standard Excess is higher than the market average.