Travel Insurance For Pre Existing Medical Conditions
for pre‑existing medical conditions
- No upper age limit
- Up to unlimited medical cover
- Repatriation cover
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Price comparison without the guesswork
Why choose PayingTooMuch?
*Based on four and five star reviews in the Best Price Comparison category on Trustpilot. Correct as of August 2024
** Winners of the Best Comparison Site at The Personal Finance Awards 2021/2022, 2022/2023 and 2023/2024
Travel insurance for medical conditions
Holiday adventures don’t have to end when you have a medical condition. Travel with peace of mind when you choose medical travel insurance through PayingTooMuch.
You can find holiday cover for pre-existing medical conditions through our trusted providers. So if things don’t go to plan, you know you’ll be protected.
Our straightforward comparison site can help you find just what you’re looking for, without paying too much. Just affordable travel insurance from providers you can trust.
What pre-existing conditions can I get cover for?
You’ll need to tell us about any medical condition that you’ve had symptoms, treatment or investigations for in the past two years.
If you’ve ever been treated for, or had investigations related to:
- High blood pressure, raised cholesterol, blood clots, aneurysm or any circulatory disease
- Heart attack, angina, chest pain(s) or any other heart condition
- Any form of stroke, transient ischemic attack (mini-stroke) or brain haemorrhage
You’ll need to tell us about these too. This way you’ll get the right amount of cover when you go abroad.
Cover for pre-existing medical conditions
You can get medical cover for most pre-existing conditions, including common conditions such as:
Our policies aim to help people living with cancer enjoy life without limits and explore new places. By answering a few questions about your health, you’ll be able to compare travel cover that gives you the freedom to start your adventures.
If you're heading off on holiday, it's important to make sure you have medical cover for your heart conditions. This means you’ll be protected if you need help when you’re abroad. So whether you’re taking medication to prevent an arrhythmia, or have recently had a heart attack, you’ll be able to find the right cover to protect you if you need help abroad.
Don’t let epilepsy get in the way of your adventures. Whether your condition is well-managed with medication, or you have regular seizures, it’s important to get the right holiday cover for your epilepsy so you can travel with confidence.
Find a policy to suit your needs with diabetes travel insurance. Compare policies that take into account what type of diabetes you have, the severity of your condition, where you’re travelling to and for how long.
What should your travel insurance cover?
At PayingTooMuch, travel insurance policies are built around you. This might include cover for:
- Pre-existing medical conditions (as long as you’ve declared them)
- Cancellations
- Medical emergencies
- Repatriation if you need to be brought back home
- Lost luggage
- Your passport and money
- Travel disruptions
- Personal liability
And much more..
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Add extras to your travel insurance policy
You can personalise your travel insurance policy when you take it out, by adding extra cover where you think you’ll need it most. This includes:
Winter sports cover
- Emergency medical cover when taking part in winter sports
- Piste closures
- Lost, damaged or stolen ski equipment
- Unused ski passes because of situations outside your control
Cruise cover
- Cabin confinement
- Weather disruptions
- Unused excursions because of situations outside your control
How do I get cover for my pre-existing condition?
You can apply for pre-existing medical travel insurance by following these steps:
- Enter your personal information to get a quote using our comparison site. Make sure you add on any extras, such as winter sports or cruise cover.
- Tell us about any medical conditions and your health by answering a few simple questions.
- Compare quotes from our trusted providers to find the cover that suits you.
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PayingTooMuch meets the eligibility requirements for inclusion on the Money Helper travel insurance directory, which the FCA has confirmed meets its criteria for a 'medical cover firm directory'. The Money Helper customer contact centre freephone number is 0800 138 7777.
Frequently asked questions
Pregnancy isn’t usually classed as a pre-existing medical condition. But if you have any conditions related to your pregnancy, such as gestational diabetes, you’ll need to tell us. This way you’re covered in case of any unexpected medical treatment you might need on your holiday.
It’s really important to tell us about any conditions that you’ve had symptoms, treatment or medication for. Declaring any medical conditions helps to make sure your policy is valid. This way, you can have peace of mind knowing that you'll be covered if something goes wrong.
If we can’t cover your condition, the Money Helper Travel Insurance Directory may be able to help.
A few factors can affect how much your travel insurance costs, including your medical conditions, age and destination. We use trusted providers to compare the best travel policies so you can choose the right cover to suit your needs.
With the right policy, you should still be able to travel to the same places you normally would. This will normally exclude any destinations that are against FCDO advice, but you can check the full policy details when you get your quotes.
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