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Pre-existing medical conditions

Compare the best pre-existing medical insurance deals

In all the excitement of planning a holiday, it can be too easy to let travel insurance slip down your priority list. However, jetting off without it could cost you dear. Before you rush to buy a policy, read our guide to the main things to think about when comparing travel insurance deals.

Opting for the cheapest policy may be tempting, but bear in mind that this could prove a false economy if you end up with a very basic level of cover...


Scrimping on levels of cover could leave you vulnerable if circumstances such as illness or cancellation mean you have to put in a claim. A comprehensive policy is essential to ensure you are properly protected.

We recommend you having the following minimum levels of cover for your trip;

  • £2million medical expenses
  • £1million personal liability
  • £3,000 cancellation (or the amount equal to the cost of your holiday)
  • £1,500 baggage
  • £250 for cash
  • Policy excesses under £100
  • Cover for scheduled airline failure or end supplier failure (as appropriate) if you are not going on an ATOL protected holiday
  • Delay cover (for example, £20 per hour for first 12 hours).

Don't make the mistake of assuming that every policy is the same – they vary widely. Things that are offered as standard by some may have to be added on for an additional charge with others.

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Staying safe abroad

The Foreign, Commonwealth & Development Office (FCDO) provides valuable up-to-date travel advice for British citizens abroad. It is the best resource for reliable safety and security information. You can also find other important details, such as local laws, passport information and visa requirements. Stay safe abroad – check the FCDO before you travel.

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