Travel insurance with medical conditions

Cover from just £6.00*

*Based on an individual aged 31 with no pre-existing medical conditions taking single trip cover for 7 days to France. Cover starts on July 8, 2024 and ends on July 14, 2024. Price correct as of June 13, 2024.

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Travellers with a pre-existing medical condition can often find it hard to find affordable holiday insurance and, in some cases, can find it hard to get cover at all.

If you're struggling to find suitable cover, the Money and Pension Service (MaPs) also provides a list of specialist insurers on the MaPs directory website, or you can call the British Insurance Brokers Association on 0370 950 1790.

If your GP advises you not to travel due to an existing medical condition, you will not be covered if you contract Covid-19. Likewise, if you choose not to travel through fear of contracting Covid-19, your policy will not cover any losses you incur regarding the cost of your holiday.

More broadly, the level of Covid-19 cover can vary quite a lot between insurers. Examples of what may be covered include:

  • Emergency medical expenses: Including repatriation (getting you home), and additional expenses (for example, a quarantine hotel stay) if you fall ill with Covid-19.

  • Cancellation: If you test positive (or a close relative passes away due to Covid-19) prior to your holiday and are unable to travel.
  • Curtailment: If you test positive for Covid-19 pre-departure, upon arrival at your destination, or while on holiday. Additionally, look for a policy that offers curtailment cover in the event a close relative passes away from Covid-19 during your holiday.

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